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Old 11-21-2009, 05:57 PM   #11
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X2 on USAA. They are just a great company, bottom line.

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Old 11-21-2009, 06:15 PM   #12
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Through the NRA you can get firearms coverage for any ammout. It covers the guns, clips, scopes, etc, etc. It doesn't cover the toaster, cd player, or sofa.

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Old 11-23-2009, 04:49 PM   #13
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I called State Farm and they told me that in order to increase the insurance coverage from the max limit (2K) of regular renters insurance, I would need to take out a separate "personal articles policy" though which I could list all the individual articles (firearms included) that I'd like to be covered. The price for the coverage I'm looking for seemed to be alright. I will be shopping around first, but the personal articles policy seems to be the way to go. I need to double check, but I believe that this type of policy is for theft only. I'll let you guys know more once I find out. Thanks for all the help.


Here's a link to State Farm to help define what a personal articles policy covers and how it works.

http://www.statefarm.com/insurance/other/personal.asp

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Old 11-23-2009, 06:56 PM   #14
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Quote:
Originally Posted by ARnoob View Post
I called State Farm and they told me that in order to increase the insurance coverage from the max limit (2K) of regular renters insurance, I would need to take out a separate "personal articles policy" though which I could list all the individual articles (firearms included) that I'd like to be covered. The price for the coverage I'm looking for seemed to be alright. I will be shopping around first, but the personal articles policy seems to be the way to go. I need to double check, but I believe that this type of policy is for theft only. I'll let you guys know more once I find out. Thanks for all the help.


Here's a link to State Farm to help define what a personal articles policy covers and how it works.

Personal Articles
A personal articles floater is generally more liberal in terms of the types of loss covered. For example, they cover mysterious disappearance which basically pays if something turns up lost, very convenient as many firearms get lost in tragic boating accidents. Just make sure that the articles are covered in your home as well as away from home, in your car, on your person, etc. Also, they may require an appraisal and specific scheduling of every firearm that you are insuring, some folks would have an issue with that as it serves as a de facto registration of your firearms.

BTW, expect State Farm to try and up your liability coverage now that they know there are firearms in the house.
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Old 11-23-2009, 06:59 PM   #15
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Are you sure about this? I'm with USAA and they never mentioned it when I opened my renters policy. I will definately be calling them to make sure. I will say this about them, their customer service is absolutly second to none!
I'm also with USAA and didn't have to do that. They are the best by far imo!
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Old 11-23-2009, 07:12 PM   #16
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State Farm Insurance has a standard amt for firearms, but you can increase it without changing the entire policy. Well at least that is how it was last time I had renters, and that is how our home owners policy works.
My Nationwide policy is exactly the same way. They simply require you to submit receipts or appraisals (works the same for musical instruments if you want to up the coverage as well).
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Old 12-04-2009, 03:42 PM   #17
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I signed up with State Farm for the Personal Articles Policy that insures against theft. There's no deductible and I got about 8K worth of coverage for around $12/mo.

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Old 12-07-2009, 03:10 PM   #18
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Default Who has the best firearms coverage for renters insurance?

Sorry to jump in a little late. I just found/joined the forum. Lots of folks including myself, insure their guns with a specialty carrier - NRA program, CoreVens, SCI and Collectibles Insurance are some of the ones I am aware of.

I work for and have my gun insurance with Collectibles Insurance. Only have to provide list of guns worth 5k or more - no serial #s required. You should keep a list of your guns and pictures in case of a claim.

Collectibles Insurance - Protecting Books, Stamps, Antiques and other Rare and Vintage collections in Baltimore, Maryland

Be happy to answer any additional insurance questions, Annemarie

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