I have the standard $2500 policy that comes with NRA membership. But I want more coverage. I know the NRA offers it, but are there better deals?

 

I recall someone posting a very good deal months back, but can't find it via search engine.

 

Thanks!

Before going further, first check your homeowner's or renter's insurance. Many policies have a small inclusion that will cover a couple guns, and you can always get a rider for more coverage. Check your NRA mailings as well as you can buy additional coverage as well. If you are a collector as I am, you may want to have a policy specifically written for my firearms.

Before going further, first check your homeowner's or renter's insurance. Many policies have a small inclusion that will cover a couple guns, and you can always get a rider for more coverage. Check your NRA mailings as well as you can buy additional coverage as well. If you are a collector as I am, you may want to have a policy specifically written for my firearms.

 

My brother has done this, he had to write all the models and serial #s down and take pic's. Not sure what he had to turn over to the insurance co.

I have a rider on my home owners (NJ Manufactures). Did not cost much, covered for $6,000. they did not require any info on the guns.

I have a rider on my home owners (NJ Manufactures). Did not cost much, covered for $6,000. they did not require any info on the guns.

 

If you don't mind me asking, what was the extra cost with NJM for that?

After SAndy I checked with my insurance. I am covered automatically for 10000 with a 1000 deductible. If I want more it's 10000 increments and I then need to inventory my weapons. Make model sn value all need to be provided

http://www.historicfirearms.com/

 

$125 per year blanket coverage for $35,000 coverage! No better price anywhere!

That's reasonable, very reasonable pirce, thanks for the link, I'll look into them..

After SAndy I checked with my insurance. I am covered automatically for 10000 with a 1000 deductible. If I want more it's 10000 increments and I then need to inventory my weapons. Make model sn value all need to be provided

 

This is what he had to do..

If you don't mind me asking, what was the extra cost with NJM for that?

Wife handles the money LOL. She says it's like $25 a year

Thanks Crow..

http://www.historicfirearms.com/

 

$125 per year blanket coverage for $35,000 coverage! No better price anywhere!

 

That's the one I was looking for. THANKS!

Very interested. Thanks for the link

Looks like 5% off for NRA members.

Forgot this piece of advice, check the fine print of the cookie-cutter policies. Some of them only protect from loss due to fire or theft, and often exclude force majeure. I don't know about you, but if my collection were damaged or lost as a result of hurricane, I'd want them covered for instance. Also, I can remember some exclusions to fire coverage in cases of arson (i.e., obviously not set by owner) there was no coverage and also no coverage if deemed by fire inspector to be due to carelessness (smoking in bed, improper extension cords). Anyway, my point being is that you get what you pay for, so know what you are paying for by reading everything carefully. If there is ambiguity, ask for written clarification from the provider/underwriter.

That's reasonable, very reasonable pirce, thanks for the link, I'll look into them..

 

The guy that sells the insurance is a gun guy and shoots in matches. He knows his stuff!

Forgot this piece of advice, check the fine print of the cookie-cutter policies. Some of them only protect from loss due to fire or theft, and often exclude force majeure. I don't know about you, but if my collection were damaged or lost as a result of hurricane, I'd want them covered for instance. Also, I can remember some exclusions to fire coverage in cases of arson (i.e., obviously not set by owner) there was no coverage and also no coverage if deemed by fire inspector to be due to carelessness (smoking in bed, improper extension cords). Anyway, my point being is that you get what you pay for, so know what you are paying for by reading everything carefully. If there is ambiguity, ask for written clarification from the provider/underwriter.

 

I would have to check my policy but they are covered with a deductable for hurricane.