Are air rifles considered guns For insurance
- Thread starter ashes5
- Start date
well by definition they shouldnt be. used to be an insurance adjuster but never had this come up directly. i would like to hear some 1st hand experiences too. i suspect, depending on the company, you might have to get into a bit of a discussion on this.
Upvote 0
Good question, my thoughts would be save and store all receipts, as you know this hobby is not cheap and highly addictive and boy don't we seem to gather up, if any type of negative event happens you can list items to your insurance company, just be ready for the fallout when your wife finds out how much you spent on this stuff.
Upvote 0
you looking for insurance ? nra offers a few types for us air gun plinkers i think 50 and 100 for a year of coverage liability i had this asked to me one day when i tried to get a permission ... i told here all the great stuff i could do she had one ? ,,well thats where the conversation ended at ?what type of insurrance do you have incase something bad happens my response sucked wawawawhtatado u mean insurrance thats all it took to look like an ill prepared idiot still till this day i have not gotten it but u bet ur ass the first day of spring i will matter of fact im gonna look into it now and get it now waiting is asking for trouble sorry if this is this wrong side of insurranse were talking about
Upvote 0
Sound like you mean home owners/house insurance , fire/whatever ?
If so
it depends on your rider. Not the one on a slow Horse bringing you some reimbursement check.
I had $90,000 on my policy listed for " house hold items" this was the only coverage for inside things in case of fire or theft or other. I did ask what was covered, wow the list goes on and oh ya I have a bunch of "Silver Hair brushes and such" . Neither firearms or airguns would have been covered except " maybe" $2,500 " general loss" naturally with receipts ( who'd I buy that hair brush from?). I also had $8,000 insurance on fencing which may sound nice but act's of God are NOT covered and I'm not too certain what else hurts metal fence.
I now have a different policy with a "rider" covering exactly what I want inside the House. And yes when they ask, well what do you think your airguns are worth they will say something like how many do you have?
For shooting, maybe you would like to have folks over for a shooting match/day of fun. The NRA insurance is the way to go for private individuals. my Insurance person suggested it.
John
If so
it depends on your rider. Not the one on a slow Horse bringing you some reimbursement check.
I had $90,000 on my policy listed for " house hold items" this was the only coverage for inside things in case of fire or theft or other. I did ask what was covered, wow the list goes on and oh ya I have a bunch of "Silver Hair brushes and such" . Neither firearms or airguns would have been covered except " maybe" $2,500 " general loss" naturally with receipts ( who'd I buy that hair brush from?). I also had $8,000 insurance on fencing which may sound nice but act's of God are NOT covered and I'm not too certain what else hurts metal fence.
I now have a different policy with a "rider" covering exactly what I want inside the House. And yes when they ask, well what do you think your airguns are worth they will say something like how many do you have?
For shooting, maybe you would like to have folks over for a shooting match/day of fun. The NRA insurance is the way to go for private individuals. my Insurance person suggested it.
John
Upvote 0
If your looking for insurance NRA has everything you need. The NRA has liability insurance that covers airguns, archery and other equipment. All the information is available in the policy document. If you join the NRA the first $2500 of arms insurance is free. If you need more insurance you can add it with arms care plus. It not only covers airguns but all your other hunting equipment like scopes, traps, and archery equipment. You don’t need to provide serial numbers or anything other than the total value of your equipment or the portion you want insured. Any single item valued at $2500 or more must be listed but no serial number is required.
Upvote 0