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  1. #1
    SigZagger's Avatar
    SigZagger is offline Member
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    A bad dream...should my guns be insured?

    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?

  2. #2
    Shipwreck's Avatar
    Shipwreck is offline HGF Forum Moderator
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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.

  3. #3
    2400's Avatar
    2400 is offline Senior Member
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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
    spacedoggy's Avatar
    spacedoggy is offline Senior Member
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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.

  5. #5
    Baldy's Avatar
    Baldy is offline Senior Member
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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.

  6. #6
    tony pasley's Avatar
    tony pasley is offline Senior Member
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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
    SigZagger's Avatar
    SigZagger is offline Member
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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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