NRA firearm insurance
- Thread starter Clonebrew
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cjwils
Member
I lost guns in a burglary, and the NRA insurance company promptly paid me fair prices with no haggle.
medalguy
Member
They don't ask for serial numbers and to me that's a plus. I use them, never had a loss. Yet.
Easy to use, just go online and give them a value and they quote a rate, pay by credit card and done. I think any valued over a certain amount do require individual listing by make & model.
Easy to use, just go online and give them a value and they quote a rate, pay by credit card and done. I think any valued over a certain amount do require individual listing by make & model.
They don't ask for serial #'s but individual guns worth more than $2500, you have to itemize those and in some cases provide documentation for. If you are declaring a gun with a scope (e.g. a $1000 long gun with a $2000 scope, like a nightforce/etc) they will want more info for sure, as the declared value way exceeds the value of the gun when they check it against the book.
The good news is it covers accessories. For a belt fed you can tack on the tripod, cost of belts, spare barrels, etc. For an AR you can add on the cost of the optics, or whatever.
Which makes it pretty good; my old homeowners policy wouldn't cover accessories unless they were attached to the gun, and everything else got lumped together in to a "sporting goods" rider which meant most of the stuff wasn't covered at all. (Magazines, whatever).
The only thing they will NOT insure is ammo.
The good news is it covers accessories. For a belt fed you can tack on the tripod, cost of belts, spare barrels, etc. For an AR you can add on the cost of the optics, or whatever.
Which makes it pretty good; my old homeowners policy wouldn't cover accessories unless they were attached to the gun, and everything else got lumped together in to a "sporting goods" rider which meant most of the stuff wasn't covered at all. (Magazines, whatever).
The only thing they will NOT insure is ammo.
wbbh
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old lady new shooter
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Trent, you have a belt fed?They don't ask for serial #'s but individual guns worth more than $2500, you have to itemize those and in some cases provide documentation for. If you are declaring a gun with a scope (e.g. a $1000 long gun with a $2000 scope, like a nightforce/etc) they will want more info for sure, as the declared value way exceeds the value of the gun when they check it against the book.
The good news is it covers accessories. For a belt fed you can tack on the tripod, cost of belts, spare barrels, etc. For an AR you can add on the cost of the optics, or whatever.
Which makes it pretty good; my old homeowners policy wouldn't cover accessories unless they were attached to the gun, and everything else got lumped together in to a "sporting goods" rider which meant most of the stuff wasn't covered at all. (Magazines, whatever).
The only thing they will NOT insure is ammo.
Elkins45
Member
They are a bit pricy as compared to other options. I decided to go with Collectables Insurance. They also don't require itemization, but one of the questions they ask is if you have photos of your guns. So now I make sure I take pictures of all my guns, especially close ups of the model and serial number. This may be important for those guns I don't have a receipt for. They also ask if you have a safe and an alarm system to determine your rates.
Cannibul
Member
NRA Endorsed Insurance is not bad if you only have a few guns. If you've got more than that it gets quite expensive. I went with Eastern. $135 a year for $40k of coverage. Unless a single item is worth over $10k, if I recall correctly, you don't need appraisals or serial numbers. Now like all of these policies you're going to have to be able to show proof of ownership if you file a claim.
NRA insurance cost for my collection would be $719 a year. I pay less than 1/3 that.
Just a warning. Almost every homeowners policy has a limit on firearms. Usually around $1,000-$2,000. You can get more. However my carrier wants appraisals on anything worth more than $1,000, and serial numbers. Also the cost is about double what the NRA would charge.
NRA insurance cost for my collection would be $719 a year. I pay less than 1/3 that.
Just a warning. Almost every homeowners policy has a limit on firearms. Usually around $1,000-$2,000. You can get more. However my carrier wants appraisals on anything worth more than $1,000, and serial numbers. Also the cost is about double what the NRA would charge.
ColtPythonElite
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I also went with Eastern
anothernewb
Member
what is the eastern insurance? never heard of them.
Elkins45
Member
I should stipulate that I have never had to file a claim, so I really have no knowledge of the most important aspect of their service: whether they will honor a claim. I will be happy to never find out.
Berger.Fan222
Member
I view prevention as the best insurance. Sure, add insurance coverage if you can while maintaining privacy, but I view privacy and stout gun safes as the best approach to prevention.
Elkins45
Member
Stout gun safes are a part of the equation for sure, but a really hot house fire or a flood will likely defeat anything less than the very best of true safes. And a gun safe offers no protection for guns in the trunk of your car on the way to the range.
ColtPythonElite
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ColtPythonElite
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Usually that limit is only on theft. All other losses are considered under the limits of your personal property.
old lady new shooter
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Shooting one is on my bucket list.There's been a few pics and videos posted here and there over the years.
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