||09-10-2010 06:10 PM
MOST homeowner's policies have a limit of $2000 for firearms, ammo, and accessories (mine does not) but that will vary from state to state, policy to policy, company to company.
Making an assumption that you have the standard $2K limit, a $1K deductible, and you have something to show what guns you owned (photos, receipts, etc) , and the values agree with the $4500 number you mentioned, you will get $2,000.
In my case, I get $4500. Insurance companies are not so much "anti-gun" as they are "pro-money". You get what you pay for- but a lot of folks have never read their insurance policy (What do you MEAN that sewer backup is not covered?!?!?!) BTW, an insurance company has to deal with the State Insurance Commission. If they get caught acting "in bad faith"- denying a claim they obviously owe, with no good explanation- they can get whacked with "triple damages"- they get fined 3 times the amount.
A lot of folks will have a story about dealing with their insurance company- but that is one side of the story. Recall a gent that filed a claim for loss of a shotgun, valued at $1000. Gun was a Topper Mdl 88, single shot 12 g. Value about $75 (at that time). He was demanding the insurance company PROVE his gun was not worth $1k. OK- here is the Blue Book of Gun Values, the Gun Trader's Guide, 3 for sale in your area. Oh, but my gun was better than those. Yeah, sure. See you at the hearing.