Javascript DHTML Drop Down Menu Powered by dhtml-menu-builder.com
Welcome, Guest. Please login or register.
Did you miss your activation email?
November 17, 2017, 11:49:48 pm

Login with username, password and session length

Search:     Advanced search
* Home FlashChat Help Calendar Login Register
Currently there are 0 Users in the Cas City Chat Rooms!
Cas City Forum Hall & CAS-L  |  CAS TOPICS  |  Shooter's Meeting (Moderators: Marshal Halloway, Camille Eonich)  |  Topic: Collectables insurance service 0 Members and 1 Guest are viewing this topic. « previous next »
Pages: [1] Go Down Print
Author Topic: Collectables insurance service  (Read 326 times)
Baltimore Ed
Top Active Citizen
*
Offline Offline

Posts: 493



« on: July 19, 2017, 11:06:38 am »


Just got an add for Collectables Ins. Do any of the forum members insure their firearms and if you do who are you with? Do you just have a rider on your homeowners policy? Are these guys any good and finally what does it cost? And is it worth it? Thanks
Logged

"Give'em hell, Pike"
Coffinmaker
Top Active Citizen
*
Offline Offline

Posts: 4255


« Reply #1 on: July 19, 2017, 05:21:25 pm »

Insurance is gambling you won't suffer a loss.  Your gambling just in case you do.  The first step is to READ the fine print.  If the "insurance" doesn't pay out at "Replacement" cost, it's worthless.  You also must be able to document your ownership.  If you have disposable income with which to purchase peace of mind go for it with caution.  I have a rider on my Homeowners.

I have absolutely no knowledge of "Collectables Ins."  Wouldn't know em if they fell on me.  So, from my standpoint I also have no clue as to the value of their insurance.  I do know I have never heard of them.  I'd be sneaking up on them real quiet like.

Coffinmaker
Logged
Coal Creek Griff
Top Active Citizen
*
Online Online

Posts: 1209


With Cheyenne Luke


« Reply #2 on: July 19, 2017, 05:51:46 pm »

Our homeowner's insurance covers up to (I think) $2000 in total replacement costs.  The do not offer a firearms rider.  They "offer" to add additional policies for firearms, but want a different policy for each gun and I think it was $60 per year for each additional gun.  It would involve a detailed description of each gun.  I don't remember the details because it was insane.

I checked around and I believe that the NRA insurance is likely the easiest deal.  With a membership, you have a certain amount of coverage and you can add (and pay for) additional coverage.  For about $240 per year, you can have $20,000 in insurance.  They'll want to hit your homeowners insurance first, then cover any additional loss.  The nice thing is that the guns are insured wherever they are (car, campsite, deep woods, deep lake) and accessories can also be covered (some insurance might cover the gun, but not the scope, which actually cost more).

At this point, I have the minimum insurance and a really good safe.  The real heirlooms (and all handguns) reside in the safe and my reproductions grace my walls.  They go in the safe if we're going out of town.  I'm taking a risk, but it's a calculated one.

CC Griff
Logged

BOLD #921
BOSS #196
1860 Henry Rifle Shooter #173
SSS #573
Pages: [1] Go Up Print 
Cas City Forum Hall & CAS-L  |  CAS TOPICS  |  Shooter's Meeting (Moderators: Marshal Halloway, Camille Eonich)  |  Topic: Collectables insurance service « previous next »
Jump to:  

Powered by MySQL Powered by PHP Powered by SMF 1.1.21 | SMF © 2015, Simple Machines Valid XHTML 1.0! Valid CSS!
Page created in 0.045 seconds with 21 queries.