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Re: Firearm insurance and appraisal?
Posted: Sat Sep 10, 2016 8:08 pm
by WTR
mojo84 wrote:WTR wrote:mojo84 wrote:WTR wrote:USAA asked for serial numbers, approx.value ( I saw a blue book value at Barnes and Noble I'll buy) and suggested but did not require a picture of the fire arms. I can get $20,000 additional coverage over the $10,000 my home owners has for $290.00 per year.
Did you confirm they would fix your firing pin if it breaks? If not, I would.
I have not seen a written policy. The man I spoke to said it is a "world wide" policy and does not matter where the firearm or firearms are located. He said he has 17 firearms in his collection, and he does have this coverage. He stated I don't need an actual appraisal( my value is fine) and none of the firearms could be considered antiques. The policy does cover replacement cost.
None of that means they will fix your firing pin if you break it. An earlier post indicates you believe they will fix your firing pin if you break it.
I was told they will pay to fix my firing pin if I break it. Might have been just Puffing. However, until proven otherwise, I will take it at face value. USAA has never lied to me and has always had my back.
Re: Firearm insurance and appraisal?
Posted: Sat Sep 10, 2016 8:52 pm
by mupepe
What makes a firearm an antique? I have a pre 64 Winchester Model 70 that was my grandfather's. It's the only one I think would even possibly qualify.
Edit: Nevermind. I should googled before I asked. Easy answer.
Re: Firearm insurance and appraisal?
Posted: Sat Sep 10, 2016 8:55 pm
by mojo84
WTR wrote:mojo84 wrote:WTR wrote:mojo84 wrote:WTR wrote:USAA asked for serial numbers, approx.value ( I saw a blue book value at Barnes and Noble I'll buy) and suggested but did not require a picture of the fire arms. I can get $20,000 additional coverage over the $10,000 my home owners has for $290.00 per year.
Did you confirm they would fix your firing pin if it breaks? If not, I would.
I have not seen a written policy. The man I spoke to said it is a "world wide" policy and does not matter where the firearm or firearms are located. He said he has 17 firearms in his collection, and he does have this coverage. He stated I don't need an actual appraisal( my value is fine) and none of the firearms could be considered antiques. The policy does cover replacement cost.
None of that means they will fix your firing pin if you break it. An earlier post indicates you believe they will fix your firing pin if you break it.
I was told they will pay to fix my firing pin if I break it. Might have been just Puffing. However, until proven otherwise, I will take it at face value. USAA has never lied to me and has always had my back.
Who said anything about anyone lying?
Will they fix your tv or washer if it breaks also? Typically, insurance covers damage or loss from a covered cause of loss. I don't think a firing pin breaking from normal use is a covered cause of loss.
Re: Firearm insurance and appraisal?
Posted: Sat Sep 10, 2016 9:09 pm
by WTR
mojo84 wrote:WTR wrote:mojo84 wrote:WTR wrote:mojo84 wrote:WTR wrote:USAA asked for serial numbers, approx.value ( I saw a blue book value at Barnes and Noble I'll buy) and suggested but did not require a picture of the fire arms. I can get $20,000 additional coverage over the $10,000 my home owners has for $290.00 per year.
Did you confirm they would fix your firing pin if it breaks? If not, I would.
I have not seen a written policy. The man I spoke to said it is a "world wide" policy and does not matter where the firearm or firearms are located. He said he has 17 firearms in his collection, and he does have this coverage. He stated I don't need an actual appraisal( my value is fine) and none of the firearms could be considered antiques. The policy does cover replacement cost.
None of that means they will fix your firing pin if you break it. An earlier post indicates you believe they will fix your firing pin if you break it.
I was told they will pay to fix my firing pin if I break it. Might have been just Puffing. However, until proven otherwise, I will take it at face value. USAA has never lied to me and has always had my back.
Who said anything about anyone lying?
Will they fix your tv or washer if it breaks also? Typically, insurance covers damage or loss from a covered cause of loss. I don't think a firing pin breaking from normal use is a covered cause of loss.
My original home owners does not cover things such as the firing pin.....you are correct. However the rider will.
mupepe wrote:What makes a firearm an antique? I have a pre 64 Winchester Model 70 that was my grandfather's. It's the only one I think would even possibly qualify.
Edit: Nevermind. I should googled before I asked. Easy answer.
I have the same question. My Savage 99 is 1928 vintage.....sooo? I'll ask them for their definition.
Re: Firearm insurance and appraisal?
Posted: Sat Sep 10, 2016 9:47 pm
by mojo84
WTR wrote:mojo84 wrote:WTR wrote:mojo84 wrote:WTR wrote:mojo84 wrote:WTR wrote:USAA asked for serial numbers, approx.value ( I saw a blue book value at Barnes and Noble I'll buy) and suggested but did not require a picture of the fire arms. I can get $20,000 additional coverage over the $10,000 my home owners has for $290.00 per year.
Did you confirm they would fix your firing pin if it breaks? If not, I would.
I have not seen a written policy. The man I spoke to said it is a "world wide" policy and does not matter where the firearm or firearms are located. He said he has 17 firearms in his collection, and he does have this coverage. He stated I don't need an actual appraisal( my value is fine) and none of the firearms could be considered antiques. The policy does cover replacement cost.
None of that means they will fix your firing pin if you break it. An earlier post indicates you believe they will fix your firing pin if you break it.
I was told they will pay to fix my firing pin if I break it. Might have been just Puffing. However, until proven otherwise, I will take it at face value. USAA has never lied to me and has always had my back.
Who said anything about anyone lying?
Will they fix your tv or washer if it breaks also? Typically, insurance covers damage or loss from a covered cause of loss. I don't think a firing pin breaking from normal use is a covered cause of loss.
My original home owners does not cover things such as the firing pin.....you are correct.
However the rider will.mupepe wrote:What makes a firearm an antique? I have a pre 64 Winchester Model 70 that was my grandfather's. It's the only one I think would even possibly qualify.
Edit: Nevermind. I should googled before I asked. Easy answer.
I have the same question. My Savage 99 is 1928 vintage.....sooo? I'll ask them for their definition.
You may want to get that in writing.
Re: Firearm insurance and appraisal?
Posted: Sat Sep 10, 2016 10:26 pm
by WTR
mojo84 wrote:WTR wrote:mojo84 wrote:WTR wrote:mojo84 wrote:WTR wrote:mojo84 wrote:WTR wrote:USAA asked for serial numbers, approx.value ( I saw a blue book value at Barnes and Noble I'll buy) and suggested but did not require a picture of the fire arms. I can get $20,000 additional coverage over the $10,000 my home owners has for $290.00 per year.
Did you confirm they would fix your firing pin if it breaks? If not, I would.
I have not seen a written policy. The man I spoke to said it is a "world wide" policy and does not matter where the firearm or firearms are located. He said he has 17 firearms in his collection, and he does have this coverage. He stated I don't need an actual appraisal( my value is fine) and none of the firearms could be considered antiques. The policy does cover replacement cost.
None of that means they will fix your firing pin if you break it. An earlier post indicates you believe they will fix your firing pin if you break it.
I was told they will pay to fix my firing pin if I break it. Might have been just Puffing. However, until proven otherwise, I will take it at face value. USAA has never lied to me and has always had my back.
Who said anything about anyone lying?
Will they fix your tv or washer if it breaks also? Typically, insurance covers damage or loss from a covered cause of loss. I don't think a firing pin breaking from normal use is a covered cause of loss.
My original home owners does not cover things such as the firing pin.....you are correct.
However the rider will.mupepe wrote:What makes a firearm an antique? I have a pre 64 Winchester Model 70 that was my grandfather's. It's the only one I think would even possibly qualify.
Edit: Nevermind. I should googled before I asked. Easy answer.
I have the same question. My Savage 99 is 1928 vintage.....sooo? I'll ask them for their definition.
You may want to get that in writing.
Of course......every thing!
Re: Firearm insurance and appraisal?
Posted: Sun Sep 11, 2016 7:20 am
by mupepe
WTR wrote:mojo84 wrote:WTR wrote:mojo84 wrote:WTR wrote:mojo84 wrote:WTR wrote:USAA asked for serial numbers, approx.value ( I saw a blue book value at Barnes and Noble I'll buy) and suggested but did not require a picture of the fire arms. I can get $20,000 additional coverage over the $10,000 my home owners has for $290.00 per year.
Did you confirm they would fix your firing pin if it breaks? If not, I would.
I have not seen a written policy. The man I spoke to said it is a "world wide" policy and does not matter where the firearm or firearms are located. He said he has 17 firearms in his collection, and he does have this coverage. He stated I don't need an actual appraisal( my value is fine) and none of the firearms could be considered antiques. The policy does cover replacement cost.
None of that means they will fix your firing pin if you break it. An earlier post indicates you believe they will fix your firing pin if you break it.
I was told they will pay to fix my firing pin if I break it. Might have been just Puffing. However, until proven otherwise, I will take it at face value. USAA has never lied to me and has always had my back.
Who said anything about anyone lying?
Will they fix your tv or washer if it breaks also? Typically, insurance covers damage or loss from a covered cause of loss. I don't think a firing pin breaking from normal use is a covered cause of loss.
My original home owners does not cover things such as the firing pin.....you are correct. However the rider will.
mupepe wrote:What makes a firearm an antique? I have a pre 64 Winchester Model 70 that was my grandfather's. It's the only one I think would even possibly qualify.
Edit: Nevermind. I should googled before I asked. Easy answer.
I have the same question. My Savage 99 is 1928 vintage.....sooo? I'll ask them for their definition.
According to google firearms made before 1899 are antiques according to the Government
Re: Firearm insurance and appraisal?
Posted: Sun Sep 11, 2016 7:58 am
by AF-Odin
I have two different policies with two different companies on two different houses. House #1: Armed Forces Insurance only covers firearms up to a specific policy limit of $1,500. Firearms are lumped with money, stamp collections, collectibles, etc. There is no need for S/N or anything else. You may purchase a rider for greater coverage on firearms. House #2: Texas Farm Bureau insurance treats firearms as part of the personal property in the house and the limit for personal property (usually 50% of the house value) applies. What this means is that if the house burns down, you and the missus get to debate over replacing guns or the living room furniture. However, on a break-in, thieves probably will not steal your sofa. Bottom line, read the FINE print. In addition to these homeowners policies, I have continued with NRA supplemental insurance in addition to the basic as it then does not matter where the firearm is located and it specifically includes other firearm related equipment such as reloading equipment. Best insurance is a good gun safe coupled with a good insurance policy. Just my 2 cents.