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Are Your Guns Covered by the Insurance You Already Have?

fire-298105_1920Would your insurance cover your guns in the case of a theft or fire? Should you take other actions to protect your stuff?

I recently sat down with my Insurance broker to get some clarity on how my firearms are protected and thought it might be a good idea to pass what I learned on to you, as well as a few other considerations.

Home Owner's Insurance

Traditionally, firearms are covered under the same coverage as all personal property. Check your policy to see what your limits are for personal property. In the case of a fire this coverage is the max payout you can receive if all your property is lost.

If you feel that the max payout is too low you may want to make some adjustments to your policy. Also confirm which “perils” are covered. Theft and fire and generally included “perils” but loss or breakage are generally not included in the coverage.

Also, policies can vary from one insurance company to the next, so always be sure to check with yours to make sure.

In addition, one should also be sure to have a complete inventory of one's property including firearms. If you can't prove to the insurance company that you owned inventory to begin with they won't reimburse you.

The best way to create the inventory is to use a video camera. Clearly show each firearm and all the accessories and safes in the house. Store the video on a disc or USB drive with a family member or in a safe deposit box.

Keeping it in the house won't help you much when the house burns down and your inventory is also lost.

Protect Your Guns

It's also a good idea to take the appropriate steps to protect your guns before calamity ever strikes.

If you don't already have one, a big, heavy fire safe may be a good option. The argument can be made that it'll actually save you money in the long run, even though a fire safe can be a big, up front investment ranging from several hundreds to thousands of dollars.

Only you can weigh it out: Is it better to lose your guns in a fire or theft or protect them before the bad stuff even happens?

The key to choosing a proper fire safe, is that you want one that meets a couple of different criteria. First, the safe needs to be big enough for whatever you're going to be putting in it. While some folks just buy one that's just big enough to fit the guns they currently have, they end up in the long run needing to buy another one because their collection of guns continues to grow.

A hefty safe comes with the added benefit of being heavy and harder for a determined thief to move. That heft, coupled with bolting it to the ground, will make it too much for the average burglar, causing him to move on to easier to target items.

Therefore, buying a safe you can grow into may be a better bet if you buy a lot of guns or are a collector or just want one that is harder to move.

Another thing to keep in mind is the fire rating on a particular safe. For the most part, though any safe company can fudge these numbers any way they see fit, the higher the rating the better. Any decent gun safe manufacturer will have proven fire times and temp ratings. For example, this Sports Afield Safe can withstand 1400 degrees for 75 minutes.

That safe can also sit in up to 2 feet of water for 7 days. If you live in a flood zone, that's another peace of mind you can have for your guns.

And, as we all know — water and guns don't mix well.

Finally, a safe can also be added to your insurance if a fire or theft happens. Once again, just make sure you've got documented proof that you own said safe.


Protecting your guns is an important part of gun ownership. While it's a good idea to make sure your insurance covers these items, keeping them out of harm's way and out of the hands of a thief is also a good idea.

Contact your insurance company to find out how your guns are covered and if you need to make any adjustments. Also, make sure you check out our safe page to find the fire rated gun safe that's right for you.

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