Travelers insurance won't cover 'Assault Rifles'

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Joe Link

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In an effort to save money, I called my AAA insurance agent today to see how much money I'd save on by switching from State Farm renters insurance (which I shopped for and purchased independently) to Travelers (who I have my auto insurance with, purchased through AAA). I was telling them about my situation, coverages and deductibles, etc. when the topic of firearms came up and I explained that I'll need extra coverage for my collection. The agent asked me about the type of firearms, specifically if I owned any "pistols, shotguns, or assault rifles". I knew right away there was going to be a problem.

I told her all of the above and gave her an estimate of the value, then waited for her to call back with confirmation of whether or not they have a policy against insuring 'assault rifles'. As I was on the phone with a client she called and left a message saying that Travelers will not insure 'assault weapons'. At this point I was rather upset, and decided to confirm this with Travelers themselves.

I called Travelers and spoke with an agent.

Him: Thank you for calling Travelers, may I help you?

Me: Yes, I just spoke with my AAA agent through whom I purchase my Travelers auto insurance. I was hoping to switch to you guys for my renters insurance as well, but she informed me there are limitations as to what types of firearms you're willing to insure.

Him: That could be true, let me check my documentation and get and answer for you. Please hold for a second.

<puts me on hold>

Him: I can't seem to find anything in here stating specific types or models, what type of firearm are you trying to insure?

Me: The AR15's in my collection seem to be the ones the agent said you wouldn't insure.

Him: Ok, now are those assault rifles?

Me: What's an assault rifle? Assault is an action, not a type of object. Do you have a list of types or models of rifles you won't insure?

Him: Well no, all this says is assault rifle here. I agree with you though, I have no idea what they consider an assault rifle. Are they fully automatic or semi automatic?

Me: They're semi-automatic.

Him: Ok, let me go check with our underwriters.

<puts me on hold>

Him: Yeah, that's something they're not willing to insure.

Me. Ok, thanks.
Click to expand...

Now I'm not only shopping for renters insurance, but auto insurance as well. If any of you have Travelers or do business with any other company that chooses to discriminate against us for our lawful activities, I urge you to vote with your dollars and find alternatives.
 
Me: What's an assault rifle? Assault is an action, not a type of object. Do you have a list of types or models of rifles you won't insure?
Click to expand...

I love that line!!

Good luck finding a new insurance company. Next time just tell them that you have rifles, pistols, and shotguns and that some are semi, pump, etc.. I wouldn't say what they are unless they ask and then try and say semi automatic rifle. I don't know though.
 
Join Date: April 9, 2008
Location: PA
Posts: 563
Quote:
Me: What's an assault rifle? Assault is an action, not a type of object. Do you have a list of types or models of rifles you won't insure?
I love that line!!

Good luck finding a new insurance company. Next time just tell them that you have rifles, pistols, and shotguns and that some are semi, pump, etc.. I wouldn't say what they are unless they ask and then try and say semi automatic rifle. I don't know though.
Click to expand...

The problem I can see with that is god forbid that the rifles get stolen the insurance company won't make you whole when you have to tell them what got stolen.

I'll be crossing Traveler's insurance off my list when I need insurance in the future.
 
I have State Farm for all my insurances, great people to deal with (never had a problem with claims), and they have no silly discrimination's.


Why not just use the NRA's gun-insurance for the firearms, and then worry about everything else with another insurance?
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Sometime's it's convenient to have all your ducks in the same pond. If something were to happen to your house, and you had to make auto, house, and firearm claims, just how many different companies are you really going to want to deal with?
 
i would think the downside of having two different policies would be two separate deductables.

i have my homeowners and auto insurance through AAA and they didn't have any problem with my guns. i wonder if it's specific to renters insurance
 
Which company does AAA have you going through? I don't believe they sell insurance, though I could be wrong, I think they just shop for you and get you a discount.
 
Next time I call my insurance agent (customer of mine) I will ask him to insure my "pistol of mass destruction", my "genocide rifle", and "regime suporter handgun"

What the hell is an "assault rifle" anyhow?
 
Next time I call my insurance agent (customer of mine) I will ask him to insure my "pistol of mass destruction", my "genocide rifle", and "regime suporter handgun"
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Make sure to point out which ones are black and nasty looking, and the select-fire (safe and semi-auto are selections!) nature of some of them.
"I just wanted to make sure you were insuring my black, semiautomatic, select-fire (or safteyless, if applicable), Saturday-night-special, chambered-in-a-military-caliber, loaded-with-cop-killer-bullets, easily-concealed, unregistered, unlicensed, no-paperwork handgun"
 
State Farm Ins.

I called my State Farm agent, ask about firearms coverage. I was told State Farm covers $2500.00 for 1 gun or $5000.00 maximum. So I bought a rider that covers the true value of my collection plus, with the rider, there's no deductible. I think he said it was 16 dollars per 1000 dollar coverage annually. Not bad for peace of mind.
 
Buy a Safe.

As another chap mentioned, State Farm will insure firearms. I can't reacall any limit on
value.
 
So then I assume you won't be buying any Ruger firearms?
Or gas for your car?
Or any food for your family?
Not to mention EVERY OTHER insurance company out there.

etc etc

I could go on forever, my point is, any company or place you do business with has had it's hands in screwing over someone at some point. If you're spiting State Farm on principal, then you'd better be up to spiting the rest of the Country and world.
 
I think he said it was 16 dollars per 1000 dollar coverage annually. Not bad for peace of mind.
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Unless you own a $100,000 worth of firearms; that's $1600 a year....
 
I'm betting if you own $100,000 in firearms, you're financially able to afford $1600/year ($133/month) for insurance on your arms.
 
Some one who has collected for a long time could easily own $100K in firearms and still barely pay the rent monthly. Consider 40 years of collecting at only a few thousand a year and you're there.... one Python will run you well over $1000 for the gun. One AR....$1000+. Special guns will run a lot more. You would probably be surprised how many members here own that much and more. Few will admit it however.
 
Some one who has collected for a long time could easily own $100K in firearms and still barely pay the rent monthly. Consider 40 years of collecting at only a few thousand a year and you're there.... one Python will run you well over $1000 for the gun. One AR....$1000+. Special guns will run a lot more. You would probably be surprised how many members here own that much and more. Few will admit it however.
Click to expand...
Which proves my point. If you're so poor you can afford to buy a $1000+ gun, but can barerly make rent, you can afford to forgo that gun purchase and pay the insurance on your very healthy stash of arms.

Second point: priorities are not where they should be if you're buying $1000+ guns, but can barely make rent.




Now, if you inherited such a large collection, you'd have a valid standing.
 
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