EvanWilliams
member
I am eligible for USAA but so far only use the banking. I have been looking for a reason to switch to them. Maybe that is it!!!! I don't currently cover my firearms.
Gun Insurance called USAA
- Thread starter Big Boomer
- Start date
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SSN Vet
Member
get a quote on your car insurance with them Evan.... they can save you some serious money.
paintballdude902
Member
- Joined
- Jun 30, 2007
- Messages
- 2,872
may have to call up usaa in the morning and ask about their coverage of guns with renters insurance
god i love usaa
god i love usaa
EvanWilliams
member
I'll give em a call. Thanks SSN.
BTW, a good buddy of mine was in fast attack (skipjack class?, I dunno, I was Army).
He is an awesome guy. Survived the navy, became a pilot then an anesthesiologist and now a psychiatrist.
I don't mean to sour this USAA love-fest but here's my experience.
My wife got an idea one time while I was at sea, so she called USAA about insurance on my guns etc...
Anyway, they went ape-sh... crazy when she told them about the smokeless powder and primers used for reloading. This guy told her that with those EXPLOSIVES in the house they would CANCEL our coverage.
She got rid of many, many boxes of primers, ammo and powder while I was at sea.
That was in the old days when we had very limited POTS (plain old telephone system) access at sea, so you can imagine my trying to remain calm as she tells me that she got rid of all of that stuff. She said she called the fire dept and they were happy to come get it from her.
Yea, no kidding.
Anyway, that was the old days. I never asked USAA about guns again. I use the additional coverage from NRA. I figure that it's none of their business what I have or don't have.
NRA's policy is real nice - but I have never had to use it either.
I will say that the USAA coverage for computers and cameras is a real PITA for service. I had to have a computer repaired when the hinge was broken - it took 10 WEEKS to get it repaired. The camera went in a creek (with me attached) and rather than replace, I had to send it to Nikon for repair - 6 weeks for that repair. No, they don't cover any attached accessories like filters, batteries, cases...
I have been a USAA member for over 30 years, so I'm no new-be.
I still have them, but buyer beware. That's all I am sayin'
My wife got an idea one time while I was at sea, so she called USAA about insurance on my guns etc...
Anyway, they went ape-sh... crazy when she told them about the smokeless powder and primers used for reloading. This guy told her that with those EXPLOSIVES in the house they would CANCEL our coverage.
She got rid of many, many boxes of primers, ammo and powder while I was at sea.
That was in the old days when we had very limited POTS (plain old telephone system) access at sea, so you can imagine my trying to remain calm as she tells me that she got rid of all of that stuff. She said she called the fire dept and they were happy to come get it from her.
Yea, no kidding.
Anyway, that was the old days. I never asked USAA about guns again. I use the additional coverage from NRA. I figure that it's none of their business what I have or don't have.
NRA's policy is real nice - but I have never had to use it either.
I will say that the USAA coverage for computers and cameras is a real PITA for service. I had to have a computer repaired when the hinge was broken - it took 10 WEEKS to get it repaired. The camera went in a creek (with me attached) and rather than replace, I had to send it to Nikon for repair - 6 weeks for that repair. No, they don't cover any attached accessories like filters, batteries, cases...
I have been a USAA member for over 30 years, so I'm no new-be.
I still have them, but buyer beware. That's all I am sayin'
There are usually limits on certain types of valuable personal property. Stuff like jewelry and guns quickly go over those limits so you gotta get a separate policy to cover them. USAA made it pretty easy to insure guns and you can also include things like scopes which is nice since a good optic is often as expensive as the rifle.
android
Member
Question I though of today...
Do PAFs allow or can be modified to allow the right to buy back if a stolen item is recovered.
For example, I PAF grandma's pearl necklace that has a replacement value of $1000. It is stolen and insurance pays $1000, but insurance carrier now "owns" grandma's necklace if it is recovered. But if it is recovered, I want that one back, not the new one, so I should be able to pay back the settlement amount and buy back the rights to the original necklace.
Is this ever considered at all?
Buck Nekkid
Member
I'd like to interject my two cents here. I've been in the insurance business for more than 20 years as an agent and as a company employee. I'd like to set the record straight, at least a little.
First, what type of homeowners policy do you have? Is it an HO-1, HO-2, HO-3,HO-4 etc.? In Texas these go by different names (HO-A, HO-B, HO-BT,etc.) The type of policy will determine your "internal limits" on your personal property including your firearms. So you decide to just go with the "internal limits" do you know what perils your personal property is insured against?
Almost without exception personal property is covered for "named perils" only. What are named perils? Look at your policy for the list, but here are the most common: Fire, Lightning, Smoke, Wind, Hail, Explosion, Riot, Civil Commotion, Aviation, Vehicles, Vandalism, Malicious Mischief and Theft.
That's it. Nowhere, for exmple is "lost" covered. If you misplaced your firearm it won't be covered. Also note that Flood is not a named peril either.
How much will you receive if one of the "named perils" destroys your personal property? You'll get Actual Cash Value. That's defined as Cost New minus depreciation. By the way, this applies to all of your personal property. If you have a 5 year old big screen, that's what you'll get paid for, the value of a 5 year old big screen.
The best way to protect your jewelry, firearms, and other collectibles is to buy a personal articles floater or to "schedule" these items on your homeowners policy. Scheduling or buying a PAF gives you "All Risk" coverage. That means with very few exceptions-nuclear exposure, War, etc--you are covered for anything that happens including lost or flood. What the NRA sells is a PAF, USAA and virtually every other decent insurance company in America will schedule your valuables. Each company's underwriting determines what they'll schedule and what rules they will go by.
OBTW if you want to have your personal property covered for more than just Actual Cash Value you can buy a "replacement cost" endorsement that will pay "new for old".
There's a lot more to know, but I hope the above helps.
First, what type of homeowners policy do you have? Is it an HO-1, HO-2, HO-3,HO-4 etc.? In Texas these go by different names (HO-A, HO-B, HO-BT,etc.) The type of policy will determine your "internal limits" on your personal property including your firearms. So you decide to just go with the "internal limits" do you know what perils your personal property is insured against?
Almost without exception personal property is covered for "named perils" only. What are named perils? Look at your policy for the list, but here are the most common: Fire, Lightning, Smoke, Wind, Hail, Explosion, Riot, Civil Commotion, Aviation, Vehicles, Vandalism, Malicious Mischief and Theft.
That's it. Nowhere, for exmple is "lost" covered. If you misplaced your firearm it won't be covered. Also note that Flood is not a named peril either.
How much will you receive if one of the "named perils" destroys your personal property? You'll get Actual Cash Value. That's defined as Cost New minus depreciation. By the way, this applies to all of your personal property. If you have a 5 year old big screen, that's what you'll get paid for, the value of a 5 year old big screen.
The best way to protect your jewelry, firearms, and other collectibles is to buy a personal articles floater or to "schedule" these items on your homeowners policy. Scheduling or buying a PAF gives you "All Risk" coverage. That means with very few exceptions-nuclear exposure, War, etc--you are covered for anything that happens including lost or flood. What the NRA sells is a PAF, USAA and virtually every other decent insurance company in America will schedule your valuables. Each company's underwriting determines what they'll schedule and what rules they will go by.
OBTW if you want to have your personal property covered for more than just Actual Cash Value you can buy a "replacement cost" endorsement that will pay "new for old".
There's a lot more to know, but I hope the above helps.
Extremely Pro Gun
Member
What do you think it will cost for 3-4k in coverage? 
feltonfitz
Member
- Joined
- Sep 22, 2009
- Messages
- 16
I am a gun owner and work for an insurance agency. Our agency specializes in what Buck refers to as personal articles floater specifically for collections including guns. The policy is an All Risk policy (although mysterious disappearance is excluded) and claims are settled on a replacement cost basis (not actual cash value). We have my husband's hunting guns and our handguns insured through the program.
$4,000 in coverage in TX would run you about $37 per year
$20,000 = $137
$50,000 = $325
$100,000 = $616
I am going to send the forum administrator our information plus info on a discount to see if it is acceptable to post.
Annemarie
$4,000 in coverage in TX would run you about $37 per year
$20,000 = $137
$50,000 = $325
$100,000 = $616
I am going to send the forum administrator our information plus info on a discount to see if it is acceptable to post.
Annemarie
feltonfitz
Member
- Joined
- Sep 22, 2009
- Messages
- 16
I just realized I posted info on the insurance under group buys - http://www.thehighroad.org/showthread.php?t=483305
BillyBothHands
Member
- Joined
- Jun 1, 2008
- Messages
- 138
if you are comfortable with the price I suggest USAA for any insurance they sell. They were a technology client of mine back when i was with a different company. They were the only insurance company I was impressed with lol. They run a tight ship and care about their customers.
GojuBrian
Member
I have USAA as well! They're great to deal with.
They cover my vehicles, house, and yes, GUNS specifically!!!
They cover my vehicles, house, and yes, GUNS specifically!!!
U.S.SFC_RET
Member
I have had USAA for years. I will never leave them. At first they used to send a nice big check in the mail in December.
Big notes: Service You can't beat USAA for insurance services. I had hurricane damage. Flooding due to a sump pump failure in the middle of the hurricane. Promptly paid up with no questions asked.
You can expect the same with your guns.
Never have I heard bad things concerning USAA. They don't spend huge revenues promoting their products and services in the insurance business.
They don't have to. Even as competitive as the insurance industry can be to gain your $$. I strongly recomend USAA.
Big notes: Service You can't beat USAA for insurance services. I had hurricane damage. Flooding due to a sump pump failure in the middle of the hurricane. Promptly paid up with no questions asked.
You can expect the same with your guns.
Never have I heard bad things concerning USAA. They don't spend huge revenues promoting their products and services in the insurance business.
They don't have to. Even as competitive as the insurance industry can be to gain your $$. I strongly recomend USAA.
USAA is great for coverage on everything IMO.
I had no specifically special coverage with them at the time of this story. (that has changed but that is more because of my growing collection)
Durring my last deployment my wife had to move by herself as our lease came up and she found our new place. after being scoped out as a single woman moving in by herself we were robbed two days later. She hadnt even had time to move the address on our insurance yet and they still covered us with no requirment of proof. Many things were stolen to include my safe. The safe had not been secured down because she still wasnt unpacked. (note for everyone to learn from: dont keep all your eggs in one basket) my gun collection was modest and nothing topped out the high value items clause so each gun was covered at replacment value by default (which was nice) USAA did not require anything other than a list of the make and model that they were paying for. they would have required the serial numbers and what not. but this was back when I was young and stupid and the eggs in the basket came into play. I had all of my pictures and serial numbers and documentation on my guns in the safe with them. So obviously I was really worried that I would have a battle but that is exactly the oposite of what I got. They covered everything to include the things they ruined to get the safe out of the house. I had my check within the week with no issues. They definatly will continue to keep my bussiness. I will recomend them to anyone that is interested.
I had no specifically special coverage with them at the time of this story. (that has changed but that is more because of my growing collection)
Durring my last deployment my wife had to move by herself as our lease came up and she found our new place. after being scoped out as a single woman moving in by herself we were robbed two days later. She hadnt even had time to move the address on our insurance yet and they still covered us with no requirment of proof. Many things were stolen to include my safe. The safe had not been secured down because she still wasnt unpacked. (note for everyone to learn from: dont keep all your eggs in one basket) my gun collection was modest and nothing topped out the high value items clause so each gun was covered at replacment value by default (which was nice) USAA did not require anything other than a list of the make and model that they were paying for. they would have required the serial numbers and what not. but this was back when I was young and stupid and the eggs in the basket came into play. I had all of my pictures and serial numbers and documentation on my guns in the safe with them. So obviously I was really worried that I would have a battle but that is exactly the oposite of what I got. They covered everything to include the things they ruined to get the safe out of the house. I had my check within the week with no issues. They definatly will continue to keep my bussiness. I will recomend them to anyone that is interested.
Tim the student
Member
I have USAA. I can't ever imagine myself switching - they are great.
Balog
Member
USAA is the best company, in any field, I have ever dealt with. As others have said, it and the GI Bill are the only benefits of serving I find useful. Well, and possibly VA loan coverage.
BADSBSNF81
Member
Armed Forces Institute - check them out. http://www.afi.org/
paradox998
Member
- Joined
- Apr 28, 2007
- Messages
- 381
I just bought insurance from collectinsure.com Fairly easy to deal with and as I have my my collection in two locations (different states) I only need to insure it for half the total value, since it is unlikely that both locations will be hit simultaneously. The cost was $165 for $25000 and I only had to provide documentation on firearms over $5000 in value.
I have had USAA for about 6 years now, and have had the sorry misfortune of being burglarized, and losing some handguns, the wife's jewelry, and some electronics. I rented then, and my claim was fairly, and quickly settled. I now own a house, and guess what...USAA got me a deal on my security system through ADT. Great system, and service. System gets me a discount on my home owners insurance too. Can't be more pleased with either one.
USAA is so good that some years ago my dog bit my grandson. Small bite that barely scratched the skin. Unbeknownst to me, my DIL contacted USAA and without any fanfare they sent her a check for $5,000. Frankly, it pissed me off. The only proof they wanted other than a photo was my verification that it happened. The downside was that they would not renew my homeowner's policy the following year unless I got rid of the dog! You get what you pay for.
The cost for $45,000 at www.historicfirearms.com Eastern Insurance is about $240 a year. No appraisals or serial list. Some of you are quoting that kind of money for a $5-10K policy.
Balog
Member
The question is not "how much is the policy" it's "what happens when you try to make a claim?" Customer service is valuable.
Tim the student
Member
Never had to make a claim with them thanfully, so I can't answer that as it relates to making an insurance claim.
However, USAA has great customer service in the other areas, so I think that would continue in their insurance.
I asked them specifically if my stuff would be covered while I was in Iraq, and they said it would be, even in an IED. Good enough for me.
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