Many people make the mistake of thinking their firearms are covered under their homeowners’ or renters’ insurance in the event of theft or damage. It’s an easy mistake to make since insurance companies often do not go into detail about what they cover, so the homeowner assumes they are. However, when it comes to firearm equipment insurance, you should almost always take out a separate policy. This ensures your valuable guns are protected. Shopping for a better firearm liability insurance policy is simple and the peace of mind you can receive in return is well worth the effort and cost.
Does A Homeowners Or Renters Insurance Cover Firearms?
Most homeowners’ or renters’ insurance policies view guns as personal property, just like any other item in your home. Of course, every policy has exceptions and exclusions that you have to read about closely to identify. Some policies might categorize firearms and related equipment separately and put a limit on how much they will cover. Most policies will not provide any coverage if you accidentally damage your firearm for any reason. When it comes down to it, your homeowners or renters insurance company likely will not provide you the coverage needed to fully protect your firearms.
A Separate Firearm Insurance Policy Isn’t As Expensive As You Think
Buying additional firearm insurance isn’t usually as expensive as people think. This is especially true for people who have a collection of multiple guns in their homes. Depending on the type of coverage you desire, you can find great firearm equipment insurance coverage for as little as $19/month and up to $59/month. Think about how many guns you have and how much you paid for each. And better yet, think about how much it would cost to replace your precious firearms if they were stolen or damaged. The price for a separate firearm theft insurance policy usually makes a lot of sense when you think in these terms.
Gun Protection Insurance Is A Worthy Investment
Gun theft insurance is an investment that’s worth making, especially if you have multiple guns. You could get up to $75,000 in total protection for your guns by just paying up to $59/month for a separate insurance policy. And the best part about buying separate hunting equipment insurance is it should cover accidental damage to your guns. This includes anything from dropping your gun accidentally to even running it over with your vehicle. Your policy should also include coverage if your guns are stolen from an unlocked vehicle, which is something homeowners and renters insurance policies usually penalize you for.
Have Peace Of Mind With The Right Gun Insurance
Peace of mind is hard to find nowadays, so take advantage of every opportunity you have. With firearm natural disaster insurance, you won’t have to worry about your guns getting damaged or destroyed in a flood, fire, tornado, or any other natural disaster. Homeowners’ and renters’ insurance policies usually leave people wondering whether they are covered after an unfortunate event happens. But when you have a separate insurance policy specifically for your firearms, you’ll have total peace of mind knowing they are covered no matter what happens to them.
2A Shield offers a comprehensive insurance program to protect your guns and your rights. Our memberships cover everything from theft to accidental damage, natural disasters, and even government confiscation. We want you to feel like your rights to own a firearm are protected so you’ll know exactly what to expect if a government official ever comes knocking on your door. And in any other situation, you can have peace of mind knowing 2A Shield has your back. When you’re ready to have the full protection of your firearms, contact us to learn about our policies.
By Chris Brien
Chris is the founder of 2A Shield who believes you must protect the firearms and equipment that protects you, your family and the second amendment.