Did a search here for "reloading" and "insurance" and came up with nada.

 

Anyone ever have any problems with homeowner's or renter's policies knowing that you reload? I don't know where I read it, but I seem to recall someone saying that State Farm dropped them like a bad habit after they were informed that the owner was into reloading. Considering that reloading gear can easily reach into the thousands, it would be nice to know it's covered.

Personally I would be more concerned with my house be covered than by reloading equipment. That is the cheapest thing in the equation in my opinion.

I know you can get coverage for guns.. Reloading equipment not sure could be bad to mention because of powder and primers..

Anyone? I'll have to check my policy and see if there is any wording to that effect. It would suck to have something happen and not be covered due to some fine print like if you were flooded and didn't have flood insurance.

 

Have to check my NJM Policy when I get home.

I believe you have to add guns to your policy, my brother had to add his, i never checked..

Well I have NJM (New Jersey Manufactures) and if anyone has them here is the list of exclusions I found online

 

EXCLUSIONS

Each of the policies we offer also contains an Exclusions section which explains the items and/or situations where coverage does not apply. All of our policies exclude:

 

 

1. Earth Movement
2. Water Damage*
3. Power Failure
4. Neglect
5. War
6. Nuclear Hazard
7. Intentional Loss

* You can purchase a separate policy insuring against flood damage.

 

 

Also excluded are items for which specific coverage can be purchased.

 

 

We suggest that you read your particular policy for the specifics of each exclusion.

 

 

 

EDIT TO ADD:

 

Special Limits apply to Personal Property as listed below.

 

Applicable to New Jersey Policies

 

1. $200 for money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins, medals and certain instruments that serve as a substitute for cash money such as scrip, stored value cards and smart cards. Example: gift cards.
2. $1,500 for securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets and stamps.
3. $1,500 for watercraft, including their trailers, furnishings, equipment and outboard motors.
4. $1,500 for trailers not used with watercraft.
5. $1,500 for loss by theft of jewelry, watches, furs, precious and semi-precious stones.
6. $2,500 for loss by theft of firearms and related equipment.
7. $2,500 for loss by theft of silverware, silver-plated ware, goldware, gold-plated ware, pewterware and platinumware.
8. $2,500 for property, other than computer equipment, on the residence premises, used at any time or in any manner for any business purpose.
9. $500 for property, other than computer equipment, away from the residence premises, used at any time or in any manner for any business purpose.
10. $1,500 for loss to certain electronic apparatus, other than computer equipment, covered by the policy.
11. $4,000 for loss to computer equipment.

Based on the EDIT, I see there is no wording about reloading equipment but there is a mention of firearms and related equipment, Equipment can not mean Ammo so I have to assume reloading equipment should not be able to be use to void your coverage.

 

 

 

Well I have NJM (New Jersey Manufactures) and if anyone has them here is the list of exclusions I found online

 

EXCLUSIONS

Each of the policies we offer also contains an Exclusions section which explains the items and/or situations where coverage does not apply. All of our policies exclude:

 

 

1. Earth Movement
2. Water Damage*
3. Power Failure
4. Neglect
5. War
6. Nuclear Hazard
7. Intentional Loss

* You can purchase a separate policy insuring against flood damage.

 

 

Also excluded are items for which specific coverage can be purchased.

 

 

We suggest that you read your particular policy for the specifics of each exclusion.

 

 

 

EDIT TO ADD:

 

Special Limits apply to Personal Property as listed below.

 

Applicable to New Jersey Policies

 

1. $200 for money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins, medals and certain instruments that serve as a substitute for cash money such as scrip, stored value cards and smart cards. Example: gift cards.
2. $1,500 for securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets and stamps.
3. $1,500 for watercraft, including their trailers, furnishings, equipment and outboard motors.
4. $1,500 for trailers not used with watercraft.
5. $1,500 for loss by theft of jewelry, watches, furs, precious and semi-precious stones.
6. $2,500 for loss by theft of firearms and related equipment.
7. $2,500 for loss by theft of silverware, silver-plated ware, goldware, gold-plated ware, pewterware and platinumware.
8. $2,500 for property, other than computer equipment, on the residence premises, used at any time or in any manner for any business purpose.
9. $500 for property, other than computer equipment, away from the residence premises, used at any time or in any manner for any business purpose.
10. $1,500 for loss to certain electronic apparatus, other than computer equipment, covered by the policy.
11. $4,000 for loss to computer equipment.

Based on the EDIT, I see there is no wording about reloading equipment but there is a mention of firearms and related equipment, Equipment can not mean Ammo so I have to assume reloading equipment should not be able to be use to void your coverage.

 

 

 

 

Mine is very similar to this. I had to put rider (ryder) on my policy too cover my stuff. Also had to get everything appraised and give them a list of all the serial #'s of what I had.

I don't want to put words in the OP's mouth, but I think what they were worried about is not whether his eqipment is covered, but rather, they are afraid that their homeowner's insurance may be cancelled if they find out they reload.........or not.

 

Adios,

 

Pizza Bob

Yea, Bob I think a few missed that at first, but I think Bry@n and I are on track.

I don't want to put words in the OP's mouth, but I think what they were worried about is not whether his eqipment is covered, but rather, they are afraid that their homeowner's insurance may be cancelled if they find out they reload.........or not.

 

Adios,

 

Pizza Bob

 

he clearly asks if his reloading gear would be covered.

 

Considering that reloading gear can easily reach into the thousands, it would be nice to know it's covered.

To clarify, I'm not concerned about whether the equipment is typically covered on policies...I already know that, at least on my policy, firearms and such must be declared if you go above some stupidly small value. I expect that reloading equipment or any other kind of specialized equipment that wouldn't necessarily be found in an average household would NOT be covered unless itemized. The question is whether anyone has called up their insurance company to add coverage for their reloading equipment and been told "take a hike" for whatever reason.

 

The author of the thread I read seemed to suggest that the insurance company had more of a philosophical problem with the fact that he was creating ammunition rather than doing something that would invalidate the policy (creating a fire hazard, etc.). But the end result would be the same in either case: no coverage.

Mine is very similar to this. I had to put rider (ryder) on my policy too cover my stuff. Also had to get everything appraised and give them a list of all the serial #'s of what I had.

 

This is what my brother had to do..