Renters Insurance and Reloading

[Killermonkey21]

Hi all,

I understand that any advice I get here would be worth exactly what I pay for it, but I had a quick question. I shot an email to USAA (my insurer) with a similar question, but here it is.

I am renting my duplex and I wanted to make sure that the landlord and I were on the same page, so I made him aware that I would be getting my reloading set up shortly. I plan on starting small, around 3-5k max rounds worth of pistol cartridge components at any given time, and he asked me if I was covered under my renters insurance. I currently have $100,000 worth of liability, but I was wondering if this would fall under something different?

I plan on asking the local fire department for any applicable fire codes etc, but anyone have any advice? I know that smokeless powder is classified a 1.3 explosive and, hell, I think gasoline is more volatile, isn't it?

Any advice would be appreciated. Thanks.

-SGT John V.

 

[52grain]

I don't reload, so I'm not very knowledgeable on the subject. Others will follow that know more, but don't forget about the primers.

 

[RhinoDefense]

Remind me again why it's any of your landlord's business what lawful activity you perform in your residence?

 

[Frank Ettin]

Remind me again why it's any of your landlord's business what lawful activity you perform in your residence?

[1] He owns the premises and has a substantial financial interest in it.

[2] The tenant may have agreed to provisions in the lease regarding his [the tenant's] obligations with regard to certain activities that might pose a risk to the premises, including the use and/or storage of hazardous or flammable materials.

 

[Lee Roder]

Also, if the property has a mortgage, the landlord's lender will typically prohibit use of and/or storage of hazardous and/or flammable materials there.

 

[kdstrick]

Generally, there should be 2 policies on this property. The landlord should have a policy covering his interest, the dwelling itself. He doesn't own the contents of the dwelling. Your renters policy covers that, as well as liability.

I've never seen a policy that declines coverage for reloading materials, etc... I'd suggest you read your policy and call USAA with any questions.

 

[Sebastian the Ibis]

Read the exclusions in your rental policy, and compare them to what you have. When I was looking at them, ammo was the only valuable thing I have that was not excluded, or limited down to nothing.