Gun Insurance?

[M.T. Pockets]

My insurance guy is also a hunting buddy and I grilled him on this. He told me how it worked and showed me in writing in the policy the coverage that applies for guns.

The only limitation on guns was for theft losses. They're capped at $2,000. There is no limitation for other types of losses such as Fire & Wind, meaning that you can include them in your personal property coverage until the entire limit of coverage is used up.

He explained that there were two ways I could increase this. The first was to schedule the guns specifically for an extra premium, this would require serial numbers and values. I understood this would provide broader coverage for freak accidents and at a lower deductible and be seperate from the $2,000 theft limitation, and would be on top of any other personal property coverage.

He said I could also just increase the theft limitation from $2,000 to whatever I wanted. This wouldn't require a serial number for value, but would also be an additional premium. It wouldn't increase the overall property coverage, just the theft limit on guns.

I know NRA membership provides some coverage, I'm not sure what - I renew in March and will check into it more then.

Also, as far as serial numbers go. I don't like giving them out, or any other information as far as that goes. But don't you think that if anyone was looking for our guns there would be more effective ways than digging through insurance records, such as sales records at sporting goods stores, manufacturer warranty cards, hunting license applications and even a list of NRA members ? I don't mean to be paranoid, but I think there are a lot of places the gun grabbers would look before insurance companies.