I'm looking into new homeowner's insurance, and an additional rider for firearms valued at over $2500 each. Most of the policies I have inquired about require you to list the actual firearms in order to get insurance.
All the companies I have asked, have told me that people who try to get insurance for "high end sporting goods", or "additional personal property" miss the notation that firearms are specifically excluded unless they are scheduled.
Having to prove ownership, and value makes sense, but I can do that by taking them to a gun shop and having them verify what I have, put photos, and descriptions on disc to be put in a safe deposit box, one at my home, and one in a relatives safe. If loss occurs, I can then forward the necessary part of the disc to the insurance company to prove I actually did own said firearm.
Even the NRA's program requires listing the firearms. Does anyone know about policies that I could buy without sending a list of the firearms to the insurance company.
My fear is that if their system gets hacked, knowing which houses have which firearms would be a great way to tell burglars which houses to hit.
All the companies I have asked, have told me that people who try to get insurance for "high end sporting goods", or "additional personal property" miss the notation that firearms are specifically excluded unless they are scheduled.
Having to prove ownership, and value makes sense, but I can do that by taking them to a gun shop and having them verify what I have, put photos, and descriptions on disc to be put in a safe deposit box, one at my home, and one in a relatives safe. If loss occurs, I can then forward the necessary part of the disc to the insurance company to prove I actually did own said firearm.
Even the NRA's program requires listing the firearms. Does anyone know about policies that I could buy without sending a list of the firearms to the insurance company.
My fear is that if their system gets hacked, knowing which houses have which firearms would be a great way to tell burglars which houses to hit.