Travelers insurance won't cover 'Assault Rifles'

[ArfinGreebly]

Thanks

No problem, and thanks for the information.

It's always good to know the options and alternatives.

I take it the rate table you presented is the annual premium?

 

[HeavenlySword]

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.

some companies haven't been screwing people over.

I am tempted to say no to ruger, however.

 

[ChuckH]

Collectors Ins. company

I spotted thier site and inquired as to thier coverage of "shooters" not just safe queens.

They responded - "we allow coverage for 'shooters' as well as collectible/rare guns. We simply endorse the policy to exclude damage caused by firing."


Thier rates seem to be the best out there and checking them out on the gun blogs, they seem to be reliable. Anyone here use them and have had to deal with them real time with a claim?

 

[22-rimfire]

I called the NRA affiliated insurance company today to shop price and they stated their rates are $6.70/$1000 for collector guns and $17.40/$1000 for shooters.

 

[GunFun]

In these liberal's opinions (like Traveler's apparently) of "Assault Weapons" (what a joke that is) my .22 LR Marlin 795 would be included, and I use that for target practice for fun.

Guys, we really need to step up and introduce new legislation (especially after the recent outcome of the Heller case by the Supreme Court) and try to get all of the unconstitutional laws passed by states and cities stricken completely from the books.

In that case it was made very clear that 'the right of the people to keep and bear Arms, shall not be infringed.' was our individual right, and a separate clause from the "Militia" clause.

However I think that part is also important to our country's ability to defend itself from invasion, subversion from within by an outside group, or a tyrannical government.

In WWII, Admiral Yamamoto said it best:

"You cannot invade the mainland United States.
There would be a rifle behind every blade of grass."

- Admiral Isoroku Yamamoto
(Japanese Navy)

Check your local and state laws - many of them are now (as they have been since inception) unconstitutional.

I don't know about you guys, but I feel a lot safer knowing that more law-abiding citizens are allowed to carry guns ANYWHERE I might happen to be. I'm applying for CCW myself soon.

Criminals will carry a gun anywhere they want, and don't care about laws. I know you guys know all of this already, but with this supreme court decision it's time to strike some of these unconstitutional laws from the books. Let's get to it.

 

[22-rimfire]

Right, until you need it.

Your advice is to spend money on a safe. What about a fire? I've seen pictures of guns that were in a fire rated safe. At least pictures of what was left of them. They were a total loss.

So the guy who had $100,000 in real value that didn't have insurance now has $0 value.

I am prepared for that loss if it ever happened. I'm just not a big insurance person. I prefer to take my chances on collectables when it comes to insurance. Value is a funny thing... I don't really think about the value of collectables often. They're paid for. If they were lost due to a fire, theft, or whatever reason, I probably wouldn't loose any sleep over it.

I am very aware of fire damage to firearms. I have a little experience in that area. Folks talk about their fire rated safes and so forth. In the event of a substantial fire, it is likely to be a total loss regardless of having a fire rated safe. The only real precaution is insurance if that is important to you.

 

[GunFun]

I recently (a year ago) had a fire in a room in my house where every guitar in a NYLON case survived, and is still used playing gigs.

I also had a laptop computer get completely fried (but it was old anyway), but my 64-track recorder survived just fine and still works, and it only had a regular bath towel covering it from dust.

I guess my point is, put the stuff you value in a place where even if a fire happens, it won't get damaged.

 

[GunFun]

... and cover it up!

 

[cchris]

So basically, they'll insure a box magazine-fed semi-automatic shotgun (Saiga, basically) since it is a "shotgun" but they won't insure the same gun, more or less, if it is a rifle?

Hell, a bolt-action rifle that you attack someone with is an "assault rifle". But I think we all know, they mean Evil Black Rifles.

 

[feltonfitz]

No problem, and thanks for the information.

It's always good to know the options and alternatives.

I take it the rate table you presented is the annual premium?

Yes the rates are annual. We do cover shooters and only exclude damage caused when firing. We also exclude weapons used as part of profession such as service revolver for a police office or security guard.

You can get a quote online @ www.collectinsure.com or call 888-837-9537. Unless she is at lunch a real person our receptionist Fran answers the phone! If you like you can ask for me - Annemarie, I help the salesperson with new customers.

 

[paul]

Annemarie,
Thanks for your input.
We, as a group, are awfully quick to leap at the throat of any entity that
we perceive to be against us.
Not saying that is bad, good, or indifferent...
It just is.
Sometimes we benefit from a little research and information.
p

 

[Line Rider]

NRA Insurance

I've had to use my NRA insurance once in 17 years. The first time I used it was in the early 90's. My home was burglarize. The thefts kicked the front door open. They stole a Springfield 1911A1 that had been rework by Wilson Combat and Winchester 1200 defendershotgun. The insurance company paid off very quickly and without a problem.

About six years later the police recoved the Win 1200. I called the insurance company report it recoved. With in an hour an agent called me back. He had valved the gun at $150 or less since it had been missing for 6 years. He told me to keep it, because it was worth the paper work and shipping to return the gun to them. I received a release to sign just to close the case on the shotgun. I was happy the gun was still in pretty good shape.

I had buy a safe shortly after the break in.

 

[Mt Shooter]

see my quote

 

[D94R]

Gunfun, there is an edit button for you to add more to your first post. This is the 3rd or 4th thread now where you've had successive posts within minutes of each other. Quit post whoring to up your count.


22-rimfire. I get the "it's already payed for" stance. But, usually, someone having a collection means they enjoy it. Either by shooting them, or maybe just staring at them for hours on end. If you were to lose $100K in arms because you have no insurance on them you not only lost a long term investment, you also lost your hobby and collection. Then, on top of that, to continue the hobby you'd have to rebuy those arms, at your expense. Doesn't sound like much fun. A little bit now could save a lot later.

 

[HK G3]

Hopefully this isn't a huge threadjack, but what do you guys do to document your guns for insurance purposes?

Take pictures of them alone? With yourself in the shot? With a form of identification in the shot?

Just curious, because I've decided I should probably document the things of value I own for insurance after recently switching.

 

[Blackbeard]

Hopefully this isn't a huge threadjack, but what do you guys do to document your guns for insurance purposes?

Take pictures of them alone? With yourself in the shot? With a form of identification in the shot?

I have pictures of each firearm showing the serial number, and pics of the receipts for them also showing the serial number.

 

[2nd 41]

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.

Same here, SF covers up to X amount on Jewelry, FireArms, Silverware, Tools, etc.
If a policy holder needs more than the policy covers a Rider can be obtained.

 

[Vern Humphrey]

I had buy a safe shortly after the break in.

Always remember the two basic rules in gunsafes:

1. Get the biggest safe you can afford -- one too big for them to carry off. If bulding a house, concrete it in and build the house around it.

2. Use the flippin' safe!

 

[Joe Link]

Take a look at what I received in the mail today. I'd call this hard proof that Travelers is decidedly anti-gun and no friend of ours. Please join me in spreading this info far and wide.

 

[General Geoff]

...Exposure to what?

 

[22-rimfire]

Exposure is a risk based term in the insurance industry.

 

[inSight-NEO]

Upon reading this thread, I found myself shaking my head and somewhat angry. I mean..."assault" rifle? Ridiculous. There is no such thing in reality. The term "assault" is media/politically born; its media hype. Stupid, preposterous and sad.

Too bad even the insurance companies (well, Travelers at least) insist on buying into this crap. Its a shame companies (and individuals for that matter) like this would rather follow ridiculous stereotypes, thus keeping their heads in that proverbial sand, vs. actually educating themselves on weaponcraft.

Personally, Id either try finding another company to work with or in the very least, insure what you can and then make certain that any uninsured weapons are kept within a heavy, solid, bolted-down and "fireproof" safe. Beyond that, what can one do given todays ridiculous mindset regarding certain weapons?

 

[Dannix]

I am often disappointed when I read threads like this because guys on the "right" side of the issue often don't seem to mind FA intolerance as long as SA is deemed OK.

Like the Montana bill that starts out referring to the Constitution -- and then includes an exceptions clause. I didn't see an exceptions clause in the Constitution.