I have been thru this with when i was changing insurance companys last year and no insurance company will cover "sporting goods" for replacement value.They wouldent even let me insure each gun seperately.
The best i could get on my hunting rifle was "depreciated value" which is they de-value the price depending on age and dont care what it is realy worth or what condition it is in.
They also wont tell you how much they depreciate it by untill a Claim is made.
When my 303 was stolen i got less than $20 dollars for it!......Cunts!!!!!
And a knife that i paid 120 bucks for two days erlier was paid out at $66 and this was after arguing with them.
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