Thread: Rifle insurance?

few years ago some clown stole my winchester 30 30 and rode around in a car shooting at other cars. opened up a can of worms for me. rifle was at my parents home. i did not get charged with anything as far as the rifle was concerned. got the gun back tho which made me happy! if you in insure your rifles, MAKE SURE you list it as a stand alone item, and give make, serial number, discription, and even take a couple of photos just to be sure. by doing this it makes it easy on you if anything gets stolen. take it from me.

Originally Posted by sakokid

few years ago some clown stole my winchester 30 30 and rode around in a car shooting at other cars. opened up a can of worms for me. rifle was at my parents home. i did not get charged with anything as far as the rifle was concerned. got the gun back tho which made me happy! if you in insure your rifles, MAKE SURE you list it as a stand alone item, and give make, serial number, discription, and even take a couple of photos just to be sure. by doing this it makes it easy on you if anything gets stolen. take it from me.

Good advice there. You can pretty much insure anything as long as you put it separate on your policy.
My cook works in insurance and from the other side of the fence some of the porkies she tells me about are so unbelievable they are funny.

Asked my Contents Insurance provider about this, and was told as contents, my guns are covered. Still made sure they have a letter with prices, make/model, s/n, and descriptions though - they made a bit of a fuss saying they didn't need it, but I insisted. Don't leave them any wriggle room if the worst happens.

Also taken multiple photo's of my guns AND my security, and emailed to myself, along with serial numbers, description of scopes etc etc. That way even if my camera/laptop get nicked as well, I've got all the info to give to the cops.

Originally Posted by Grue

Asked my Contents Insurance provider about this, and was told as contents, my guns are covered. Still made sure they have a letter with prices, make/model, s/n, and descriptions though - they made a bit of a fuss saying they didn't need it, but I insisted. Don't leave them any wriggle room if the worst happens.

Also taken multiple photo's of my guns AND my security, and emailed to myself, along with serial numbers, description of scopes etc etc. That way even if my camera/laptop get nicked as well, I've got all the info to give to the cops.

With my insurer (who is almost everyones insurer now) rifles are sporting goods and are depreciated as such. Market value less excess does not leave much behind.
My recent Geovids were classed sporting goods when I dropped them. If I had been pissed at the horses, watching for Itchy Mick in the second, it may have been another story.