Firearm Insurance
- Thread starter Jeremy Henderson
- Start date
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EricRF
Well-Known Member
- Joined
- Feb 6, 2018
- Messages
- 65
Another vote for Eastern. You are getting ripped off if you are paying over $400 for less than $40k. Eastern doesn't require serial numbers for any single item valued at less than $10k and also includes $5k for reloading and ammo as mentioned above.
Jeremy Henderson
Well-Known Member
I will try and give her a call. Thank y'all!
I bought a safe and called it good, when I looked into it 25 yrs ago I thought it was to high if you have many guns. When i filled that one up I bought another
That would be worth it , I missed something I guess
Jeremy Henderson
Well-Known Member
I have 2 64 gun safes now just wanted added security.
Rhett Crider
Well-Known Member
Until you have a fire. What's your safe rated at? Most have greenrock insulation. 30-45 minutes? Even then there will be damage to your arms or scopes or accessories.
turkeyfever
Well-Known Member
Safes are a good alternative. Most safes are not waterproof. Was told by a fireman to put them on exterior walls of your home. The heat build up is not as intense. Lost house to a fire Jan 2019 safes were in garage no heat damage but both safes were full of water. Gun had already started rusting by the next morning and wood stocks were showing discoloration. Knowing what I Know now about insurance now some are good, some are ok and some are the pits. Just understand your policy from from front to back and all the little tiny print that you will need magnifying to see. Insurance companies will tell you anything to get your $$$$.
You know your best bet is to have an independent insurance agent whom you know well who is on your side; they will know which companies will stand behind their policies and which won't. Times change. I remember after Katrina our agent made some changes in our homeowner's policies as those companies hit hard got stingier with what they covered. I realize this is harder in big cities.
cohunt
Well-Known Member
Insurance is insurance, always read the fine print-- 99% of the time you will always loose $ over the long run when it comes to insurance. It's all about trading $ for chance
watch the small print too, some insurance policies dont cover water or fire, only theft--if you want added protection from theft, build a hidden room for your gun safes---gun safes usually wont protect your firearms from fires even if they are fire rated-- old boss had a house fire, he had fire rated gun safes-- all guns were ruined inside of the safes--and insurance only paid a partial payout after depreciation and deductible (obviously not the best policy)--in the long run, most firearms can be replaced ad they are just "things" --keep that family safe
watch the small print too, some insurance policies dont cover water or fire, only theft--if you want added protection from theft, build a hidden room for your gun safes---gun safes usually wont protect your firearms from fires even if they are fire rated-- old boss had a house fire, he had fire rated gun safes-- all guns were ruined inside of the safes--and insurance only paid a partial payout after depreciation and deductible (obviously not the best policy)--in the long run, most firearms can be replaced ad they are just "things" --keep that family safe
