TexasCHLforum.com

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.