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Thread: A bad dream...should my guns be insured?

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    Member SigZagger's Avatar
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    A bad dream...should my guns be insured?

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    Woke up from a bad dream. My gun locker was forced open and all the guns were stolen. Got me to thinking. Should my guns be listed and insured separately on my homeowners policy? Anyone do that?

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    Shipwreck's Avatar
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    I have mine covered on my home owners. I think up to $2500 is automatically covered on my Statefarm homeowners policy here in Texas. I pay like $6 a year extra to cover up to $5k in firearms. They won't go above $5k. After that, U have to insure guns seperately at a prorated fee depending on their value. And, that would only cover theft and not fire.

    But, if ya have under $5k worth, ya need only worry about the extra few dollars a year. Now, this is Texas - Statefarm operates a bit differently in each state due to different laws in each state.

    I was told I just needed the receipt and the owners manual to make a claim. I have the receipts and manuals locked up in my bank box.

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    Senior Member 2400's Avatar
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    Quote Originally Posted by SigZagger View Post
    Should my guns be listed and insured separately on my homeowners policy? Anyone do that?
    Yes and yes.
    You can also get an insurance rider through the NRA or most insurance companies.

  4. #4
    Senior Member spacedoggy's Avatar
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    You might sleep better if you upgrade to a safe and bolt it in the floor. If they really want your guns they will take them, we need to make it harder on them and the longer it takes and the more noise they make evens the playing field and their changed of getting caught are greater. I sleep like a baby now and I don't worry about leaving the home. I do have a brand new home with a alarm which is also nice. I also have a 10 pound dog name billy bad ass and will go right for your ankles.

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    Senior Member Baldy's Avatar
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    Yes you need to. I have to have serial numbers. So I took pictures of all my guns and put them on a cd along with the value of them and date bought. I have a copy and three of my daughters have copies.

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    Senior Member tony pasley's Avatar
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    It would not hurt to insure them, but it would also help to secure the locker and alarm the room around them.

  7. #7
    Member SigZagger's Avatar
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    Thanks for the replies. I do have the serial numbers recorded and photos. Will call my agent for a rider add-on.

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    Thought I'd resurrect this thread. Any new thoughts regarding listing weapons on a homeowners policy? My concern is whether this is a record that could be used against you in some way. I do maintain photos and serial numbers in secure files.

    Thanks in advance for any input.

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    Junior Member Reddog1's Avatar
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    I don't know how many firearms you have but I have a considerable number. I tried to go the insurance route and found it prohibitively expensive. I have a friend who is a collector and he actually has a concrete vault with steel bank door to protect his firearms but no insurance. Too expensive. I had a new Colt Gold Cup pistol stolen once and the insurance covered it, but that was one pistol, not a collection. I advise you to document and photograph everything and keep receipts and put them in safe deposit box. A gun vault tied to the floor will be your best bet to protect the firearms and make sure you have a good home security system. Get a dog. Crooks don't like dogs. And keep a firearm handy incase someone decides rob you. We have all that, and when we are away or traveling I have a good friend house sit so the house is not empty. I kind of see it as a threshold issue where you add layers until you are comfortable with the security. But most important, don't advertise that you have firearms. I don't even tell friends what I have as they could inadvertently tell someone else who isn't a friend. Good luck to you.

  10. #10
    Senior Member Steve M1911A1's Avatar
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    Quote Originally Posted by UncleB View Post
    Thought I'd resurrect this thread. Any new thoughts regarding listing weapons on a homeowners policy? My concern is whether this is a record that could be used against you in some way. I do maintain photos and serial numbers in secure files.

    Thanks in advance for any input.
    Our guns are listed on our homeowners' policy. That does not bother either of us. There would be an open revolt against the government, long before anyone started scrutinizing homeowners' insurance, policy by policy, in order to find and confiscate guns.
    Listing our guns on our homeowners' policy was much less expensive than buying gun-specific insurance of any kind.
    TAPnRACK likes this.

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