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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!

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.

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.

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.

mupepe wrote:So my home insurance is state farm. It doesn't cover firearms in my normal policy. I'd have to take our a separate policy with them, but to even get a quote I have to get my collection appraised.

So three questions:

1) for those with their firearms insured, who do you have your policy with?

2) did they make you get them appraised?

3) any recommendations on appraisals?

Thanks in advance

Don't forget your scopes.

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.

If you have USAA home owners you should really look into a firearm rider if your collection is worth more than $10,000. Your home owners covers the first $10,000, but with your deductible enforced. The rider covers the amount you choose, has no deductible,covers replacement cost, covers even if you break a fireing pin , covers the weapon anywhere it is located.....at the range for example(it is world wide),and is very reasonable priced.