TexasCHLforum.com

IIRC, there is a basic level of coverage with NRA membership, but it isn't really very much. I have NRA Armscare and luckily have not had to use it. My OLD homeowners used to consider firearms just another part of your personal property and insured them lumped in with all your other stuff. A couple of years ago, they changed and unless you itemized them on a Personal Articles addition, firearms would only be covered up to $1,500 maximum for combined loss.

Under my OLD insurance, I had three firearms stolen from a hotel room in 1985 and they paid right up when I presented the police report and documentation of what they were worth (S&W Model 19, Charter Arms Undercover .38, and very sadly a S&W M-1917). The $1,500 would have covered the loss AT THAT TIME, but certainly would be quite short today.

Now I have the $1,500 on my NEW Homeowners (that is what MANY of them have for not itemizing) plus the Armscare with NRA for an amount that would cover most of my collection. Even Armscare requires data if an individual item exceeds a certain dollar amount.

As in anything with insurance, read the fine print (all of it), understand it, and then compare different vendors.