Firearms Insurance

Beck

AH enthusiast
Joined
Jul 22, 2019
Messages
487
Reaction score
751
Location
Saint Louis, Missouri
Media
9
Hello,
I am a relatively new homeowner and I just realized that my homeowners insurance policy only covers $5k worth of Firearms - clearly not enough. Does anyone have any experience with this? Is running this insurance through your homeowners policy the way to go, or are there cheaper options out there?
 
Don't know how it works in usa, but back where I come from there was a maximum figure that they would pay out on individual items you didn't have to list everything..Anything above that had to be individually registered with them and the value...jewellery..watches..guns...etc...then the premium was adjusted to take them in to be covered...
 
This is who I have used for the last two years (as well as several other AH'ers), and am happy with the experience so far. Good combination of coverage vs. premiums, albeit I thankfully have not had to go through the claims process yet.

Gallagher 77 Accord Park Drive, Suite B-1, Norwell, MA 02061
P: (800) 545-9326 | F: (508) 652-4392
Laura_Sewall@ajg.com | AJG.com
 
Hello,
I am a relatively new homeowner and I just realized that my homeowners insurance policy only covers $5k worth of Firearms - clearly not enough. Does anyone have any experience with this? Is running this insurance through your homeowners policy the way to go, or are there cheaper options out there?

PM me if you want some primary source experience in this area.
 
This is who I have used for the last two years (as well as several other AH'ers), and am happy with the experience so far. Good combination of coverage vs. premiums, albeit I thankfully have not had to go through the claims process yet.

Gallagher 77 Accord Park Drive, Suite B-1, Norwell, MA 02061
P: (800) 545-9326 | F: (508) 652-4392
Laura_Sewall@ajg.com | AJG.com
This
 
This is the go to for firearms collections

 
This is the go to for firearms collections

I’m with Cole as well.
 
This is the go to for firearms collections


I just decided to use them and submitted my own application. Much cheaper than my homeowners additional policy.

HH
 
I use Eastern. I believe their name has changed since I last renewed.
 
This is who I have used for the last two years (as well as several other AH'ers), and am happy with the experience so far. Good combination of coverage vs. premiums, albeit I thankfully have not had to go through the claims process yet.

Gallagher 77 Accord Park Drive, Suite B-1, Norwell, MA 02061
P: (800) 545-9326 | F: (508) 652-4392
Laura_Sewall@ajg.com | AJG.com

Same here!
Was Eastern now Gallagher.
Laura still handling mine also
 
Hello,
I am a relatively new homeowner and I just realized that my homeowners insurance policy only covers $5k worth of Firearms - clearly not enough. Does anyone have any experience with this? Is running this insurance through your homeowners policy the way to go, or are there cheaper options out there?
@Beck - I’ve had this question myself for many years. What I would find helpful is to hear from someone that actually “Filed a Claim”? How was the process? Were you reimbursed in a timely manner AND at the prices you expected? What negative surprises (if any) did you encounter?
Regardless of Insurance or Not - I believe having a Good Safe should be the main part of protecting your firearms. The “tin can” steel gym locker-types that can be opened with a screw driver and even fancy “velvet lined” nicely pained safes (with only 1/16” to 1/8” of steel) offer minimal protection…but better then nothing.
Good Safes have two common characteristics - “Steel” & “weight”. the 3rd “characteristic“ is Cost — they are expensive and $5000 - $10,000 seems to be the range. Certainly any safe can be broken into but very few Good safes are: acetalyn torch, carbite bit saw, high speed drills are rarely carried by burglars. Occasionally you can find a good USED safe and save some money - worth getting a professional safe mover to deliver and install it —- any safe over 700 to 3000 lbs can’t be moved by a few buddies in a pick up …and certainly not up & down a flight of stairs. That’s my opinion, you don’t want $50,000-$100,000+ of guns in a $2000 safe…better to sell one of those guns and buy a Good Safe to protect the others. Lastly, hide your safe - don’t display it in your living room regardless of how beautiful it is….every neighbor, repair person, or kids friends that enter your home will see it, remember it, tell there friends about it etc…. Could eventually become “known” to the wrong person.
 
@Beck - I’ve had this question myself for many years. What I would find helpful is to hear from someone that actually “Filed a Claim”? How was the process? Were you reimbursed in a timely manner AND at the prices you expected? What negative surprises (if any) did you encounter?
Regardless of Insurance or Not - I believe having a Good Safe should be the main part of protecting your firearms. The “tin can” steel gym locker-types that can be opened with a screw driver and even fancy “velvet lined” nicely pained safes (with only 1/16” to 1/8” of steel) offer minimal protection…but better then nothing.
Good Safes have two common characteristics - “Steel” & “weight”. the 3rd “characteristic“ is Cost — they are expensive and $5000 - $10,000 seems to be the range. Certainly any safe can be broken into but very few Good safes are: acetalyn torch, carbite bit saw, high speed drills are rarely carried by burglars. Occasionally you can find a good USED safe and save some money - worth getting a professional safe mover to deliver and install it —- any safe over 700 to 3000 lbs can’t be moved by a few buddies in a pick up …and certainly not up & down a flight of stairs. That’s my opinion, you don’t want $50,000-$100,000+ of guns in a $2000 safe…better to sell one of those guns and buy a Good Safe to protect the others. Lastly, hide your safe - don’t display it in your living room regardless of how beautiful it is….every neighbor, repair person, or kids friends that enter your home will see it, remember it, tell there friends about it etc…. Could eventually become “known” to the wrong person.
Thank you. I do have a decent safe, and I don't display it.
 

Forum statistics

Threads
55,085
Messages
1,170,210
Members
95,727
Latest member
Damniano96
 

 

 

Latest profile posts

A.A. wrote on Msprenger!'s profile.
Are you still looking for a 375 H&H?
NRA Life, ASSRA Life, GGCA Life
Sable @ the lodge this morning

Buffalo encounter this morning!

here with available dates for 2024/25

1-13 September 2024
14-31 October 2024
1-7 November 2024
18-24 November 2024

March 2025 is wide open!
12-17 April 2025
24-28 May 2025
15-21 June 2025
7-12 July 2025
22-28 July 2025
13-31 August 2025
15-30 September 2025

October and November 2025 is wide open!
 
Top