Animal Mother
Member
My collection has outgrown my current RSC, as I am really having to cram them in there. I was beginning to look into getting another safe, when it occurred to me that I may be better off getting more firearms theft insurance (either from my homeowners insurance or perhaps through the NRA's insurance program).
I'd be looking at about $1000 for a fairly large safe that should meet my needs for a few years or using the NRA's insurance policy is $1.66 annually for evey $100 of protection. Given that I own a lot of milsurps and the NRA covers the first $1000 of protection, my insurance coverage would be only run about $70 a year (it may be less that that once I factor in the limits of my homeowners policy on firearms theft).
I'm leaning toward purchasing the insurance because professional theives can make quick work of any $1000 safe and at least with the insurance, while I can't replace the value of family heirlooms, I'd a least be compensated for the actual value of my guns, and I could keep them in some cheap bolted down Stack-On gun cabinets to keep out a casual smash and grabber.
Anyone else weighed the pros and cons between a safe and insurance?
I'd be looking at about $1000 for a fairly large safe that should meet my needs for a few years or using the NRA's insurance policy is $1.66 annually for evey $100 of protection. Given that I own a lot of milsurps and the NRA covers the first $1000 of protection, my insurance coverage would be only run about $70 a year (it may be less that that once I factor in the limits of my homeowners policy on firearms theft).
I'm leaning toward purchasing the insurance because professional theives can make quick work of any $1000 safe and at least with the insurance, while I can't replace the value of family heirlooms, I'd a least be compensated for the actual value of my guns, and I could keep them in some cheap bolted down Stack-On gun cabinets to keep out a casual smash and grabber.
Anyone else weighed the pros and cons between a safe and insurance?