I just found out, my homeowners insurance only covers up to $2500 on firearms, and, well, I don't feel that is sufficient. Who do other IndyGO's doe for insurance? Take out an extra rider on their homeowners policy or an alternative insurance company?
I'm also with State Farm. I'm happy with them, I just want to see what others are using. I've never really gave it much thought. I knew I had insurance and actually thought my firearms would be covered under personal property, but I found out otherwise today.I have State Farm with a separate Personal Property policy for my firearms. As for the values, I probably need to adjust mine since most have gone up. I've got a lot of older stuff too (that's my main focus). You could probably look at completed auctions on Gunbroker to get you in the ball park. When I add one, I typically take my purchase price and add 10% or so. Sometimes they value them higher than I do when I compare my documentation to the declarations page.
A GOOD, well hidden safe, bolted to the floor, would stop 99.9% of Indiana burgers from stealing your guns. AND, it is a one time expense.
How many kids and crackheads can you fit in yours? Guessing you can fit more kids the younger they are...Excellent advice. I personally fear fire more than anything and even a good fire safe will destroy your guns. Both is how I go, though I admit my safe is just for kids and crackheads. Anyone serious is getting into it.
Mmm... crackhead smoothies!
Mmm... crackhead smoothies!
You can add each fire arm as a line item, and increase your coverage.I just found out, my homeowners insurance only covers up to $2500 on firearms, and, well, I don't feel that is sufficient. Who do other IndyGO's doe for insurance? Take out an extra rider on their homeowners policy or an alternative insurance company?
That also includes jewelry so beware. My son found the best and economical way is to join the evil NRA and buy the firearm insurance through them. You can get $20,000 much cheaper through them than regular insurance companies.I just found out, my homeowners insurance only covers up to $2500 on firearms, and, well, I don't feel that is sufficient. Who do other IndyGO's doe for insurance? Take out an extra rider on their homeowners policy or an alternative insurance company?