jzeck2
Member
I'm taking this in a little different direction. I met with my insurance person this fall to see if he could sell me anymore insurance and I brought up my guns and that maybe I should have a rider on my policy to cover them in case of loss (withholding actual $$ amount in case wife sees this). What he told me was a bit shocking: "you don't need a rider on your policy, go buy an inexpensive gun safe(s). Your home owners policy will cover your firearms in case of fire, it will not cover them if they are stolen, all you need is something to make it difficult for someone to break in and steal them."
Since I only have one or two of dad's and grandpa's guns that are not replaceable (more because they gave them to me not because they are valuable) this seems to make sense. I can certainly replace the rest.
Any thoughts on this, is my insurance agent (state farm) correct? If he is, you can save a lot of money including chiropractic care by buying a cheaper lighter safe.
Since I only have one or two of dad's and grandpa's guns that are not replaceable (more because they gave them to me not because they are valuable) this seems to make sense. I can certainly replace the rest.
Any thoughts on this, is my insurance agent (state farm) correct? If he is, you can save a lot of money including chiropractic care by buying a cheaper lighter safe.