Texas Homeowners Insurance:

[ZX9RCAM]

My agent asked about guns and I replied "Why"? He told me that unless I had a safe that his company would only cover $2500. With the safe I am covered for actual value.

Which company is this?

 

[Texan2]

My agent asked about guns and I replied "Why"? He told me that unless I had a safe that his company would only cover $2500. With the safe I am covered for actual value.

yet one more reason to have a safe. (As if there weren't already enough)

 

[TexasRedneck]

Funny - years back, we were getting ready to go on vacation. Called my agent, asked if owning a safe would reduce my insurance costs (thinking was to get one before we left just to play it safe). He said "no" - I told him to stop by and pick up a copy of my inventory in case we were broken into while we were gone......<G>
I ended up droppin' them off over at a friends' gun shop while we were gone, but I was amazed that there was no consideration for owning a safe! This was back in the early 90's.

 

[brian964]

In my experience it is cheaper getting quotes online. Some of the top insurance companies offer discounts when ordering online, because it is less work for them. But to be safe you could compare rates online, pick the best offer and try a local agency to see if they can match it or do better.

I recommend this site for online comparing: http://www.quotes-center.com/home-insurance-calculator

 

[TexasRedneck]

In my experience it is cheaper getting quotes online. Some of the top insurance companies offer discounts when ordering online, because it is less work for them. But to be safe you could compare rates online, pick the best offer and try a local agency to see if they can match it or do better.

I recommend this site for online comparing: http://www.quotes-center.com/SNIP

How many more times ya gonna spam us with that, Jethro?

 

[hkusp1]

My old home owners wouldn't cover guns so I switched they freaked when i called to cancel all 5 policies.

 

[ZX9RCAM]

My old home owners wouldn't cover guns so I switched they freaked when i called to cancel all 5 policies.

Well, who did you switch to that covers your guns, & is an additional policy, or is it covered under regular contents???

 

[Mexican_Hippie]

State Farm only asked for the values on my Home Owners insurance. I think there was a $5K max, if I remember right.

It's a low ceiling for collectors and enthusiasts, but for most average hunters and gun owners it's probably fine. If you have over $5K you should be looking into additional insurance for your collection.

 

[TexasRedneck]

State Farm only asked for the values on my Home Owners insurance. I think there was a $5K max, if I remember right.

It's a low ceiling for collectors and enthusiasts, but for most average hunters and gun owners it's probably fine. If you have over $5K you should be looking into additional insurance for your collection.

<snicker> $5k????

 

[zembonez]

I have Farmers insurance. We have a dedicated amount of coverage of the firearms that is just added to the homeowner's coverage. They never ask me if I had anything, but we did add the coverage to the policy.

 

[ned.alford]

i cant remember USAA ever asking me about guns

The Hartford has never asked me about my guns either.

 

[TexasRedneck]

I would HIGHLY suggest YOU ask about them to determine the limits (if any) of coverage they offer - most DO have "caps" on the value of guns that they'll cover.

 

[ZX9RCAM]

I would HIGHLY suggest YOU ask about them to determine the limits (if any) of coverage they offer - most DO have "caps" on the value of guns that they'll cover.

Yep.....guns, cameras, jewelry, etc. very likely have (low) caps on what they will payout without a seperate rider.

YMMV

 

[Mexican_Hippie]

<snicker> $5k????

Ha ha, yeah I told them to, "Max me out. I have a crate of 5,000 Mosins buried in the back yard." I was the only one that laughed, or probably even got it.