Re: Anyone have a insurance policy on there firearms?
<div class="ubbcode-block"><div class="ubbcode-header">Originally Posted By: Halcyon612</div><div class="ubbcode-body">I have Traveler's homeowners insurance ad wanted to tack on my rifles as an additional schedule. If memory serves, their homeowners policy only covers something like $500 of firearms and accessories (the guy on the phone said it included scopes). I logged all the serial numbers and when they told me the price as well as what was covered, I went to the NRA website to see what they offered. Long story short, I got the same coverage for half the price! The company was Arms Care Plus Insurance. </div></div>
travelers is in the top 2 shittiest insurance companies to deal with. I owned a disaster cleanup company and do cleanup work in homes and as such deal with insurance companies every day. they will try to weasel and duck and dodge coverage anyway they can. them and safeco are at the top. you can ignore my advice if you wish but when it comes time to pay the experience will not be as good as it should be.
lots of state farm comments, from what I hear the auto insurance side is great, but the home owners isn't that great. I recently watched a state farm adjuster go into a home and within 30 seconds and after looking at one area tell the insured they were not covered, ummmm WHAT A HOLE WOULD TELL A CUSTOMER THEY JUST GOT STUCK FOR 20 GRAND IN DAMAGE LIKE THAT?!?!? most adjusters would look around, look in all the rooms, walk outside. you know gather information. I tell everyone and I cannot say this more emphatically <span style="text-decoration: underline"><span style="font-weight: bold">THERE IS A HUGE DIFFERENCE BETWEEN FINDING A WAY TO COVER SOMETHING VS FINDING A WAY NOT TO.</span></span>
I recommend the smaller more regional insurance companies, they don't have some guy who runs the company 2k miles away in a glass office telling everyone how the claims department will be ran. of the larger companies I recommend Chubb and American family, stay away from farmers, state farm and Allstate, especially travelers and safeco.