Homeowners Insurance - Firearms coverage?

A friendly tip for all of you hunters from the insurance guy here -

Did you know that typical homeowners insurance policy will only cover firearms for up to $2,500 for stolen firearms and your homeowners deductible will also apply? Many hunters have much more valuable collections than this so it is a good idea to insure your firearms under a scheduled personal property rider or a personal articles floater. You can also endorse many homeowners policies to add blanket coverage for firearms as well though the coverage isn't as broad as scheduling them. These riders offer much broader coverage and also can have lower or even no deductibles. Having a copy of the purchase receipt or an appraisal is required to schedule firearms coverage with most companies. Gary K. Marshall Insurance Agency


David M. Galeone