Firearm Insurance help

[zoen]

After about 11 months of unemployment/self employment I finally got a decent job in another city. So while I’m commuting and buying a new house I am going to be storing my safe and firearm collection at a friends house. What I am interested in doing is finding a policy that can cover these items on a 100% replacemnt value for fire, theft and other stuff with out having them in my own residence and covered under my homeowners policy.

Does anyone know of a decent company in the Washington State area that can work with me on this.

Thnx

zoen

[jjm2111]

I'd be surprised if any insurance company did that.

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[D. Brian Carter]

I would assume your friend's homeowners insurance (or renters insurance) would cover any items he's keeping for you. Talk to HIS insurance agent...

[jjm2111]

Actually, that probably will not work. If the total value of your firearms are over $2500 (for most policies) they have to be declared under the policy. Most homeowners policies only cover property which you own and which is under your control. Your buddy keeping your firearms would be under his control and probably would not be covered under his homeowners (because they are not his guns). Your homeowners probably would not cover your weapons unless they were stored in your home.

The best course of action is to probably contact the NRA where you could get some sort of personal property policy that's geared specifically toward firearms. The special policy might cover your weapons stored in a friends house.

Best bet is to read your policy (and his policy) and look for the phrase "care, custody, and control".

[zoen]

I’m thinking that’s what I need to do. And I'll just the pay the difference on there policy, but allot of home owners insurance policies have very limited coverage anyway for firearms. I still would like to find something that is a straight policy just for these items.

I don’t keep my car and boat inside my house and I have those covered.

There’s has to be something out there.

[zoen]

Ill give the NRA a ring today. Thanks buddy

[Chancellor Palpatine]

I can't imagine that underwriting would approve a policy insuring any items (much less firearms) stored with a noncommercial 3rd party.

[jjm2111]

"allot of home owners insurance policies have very limited coverage anyway for firearms."

Not if you "schedule" them. "Schedule" means calling up the insurance company and telling them what kind, make, model, and serial number of every gun that you own. Documenting any security systems, gun safes alarms, etc. should get you some discounts too.

FReep mail me if you have any questions. I work in insurance. (I do mostly Marine and Energy but I know enough about the other stuff to prolly answer any questions you have).

[El Laton Caliente]

There is an add in Shot Gun News for a company that specializes in firearm insurance. It will be after I get home tonight before I can look it up. I haven't used the company so I can't recommend them. You should check their rating.

Shot Gun News is sold at Barnes & Knobles with the out of town news papers if you want to pick one up.