Just do it!!!!!!!!

You are absolutely correct. When I phoned my agent I was told to get appraisals for each. My reply was "That's great, but I cannot get these firearms in California any longer due to their laws."

I told my agent that I would tell him the values and he could charge me the cost of coverage. Appraisals are not necessarily needed, especially with product that is virtually irreplaceable. Yes, you still need to give them serial numbers and descriptions, but that's normal.

Unless you have had claims, you would also never know that while the agent will TELL you that your fancy car sound system is 'covered', it's NOT covered for that $2,000 you just paid for it. It's worth a small fraction of that cost because 'covered' to the agent means you are covered for a minimal amount.

Every upgrade you do to your vehicle must be called in to your agent and explained that you want full replacement coverage or you'red going to get a standard allowance value for your sound system.

mike

That’s why I have an expensive safe. 

Yea...just think about ALL OF THAT MONEY you'll put out for all of the years ahead of you, (hopefully) for nothing, by the time you die.

I did some figuring, now I just give-up bare minimums to my insurance companies. AND, like cahill said, I have a big heavy safe for most of my toys. My cars...I'll fix as required.

Mike

Two safes for me, one 2000# one 1400#. Just like coverage for jewelry, it’s just too expensive, and just because you have insurance does not mean they will pay up if something happens. The first thing an insurance company does when you file a claim is read the 50 pages of fine print to figure out why you’re not covered. I am self insured whenever possible.

NRA. ( Lockton affinity ) Look into it. Way less $ than insurance companies. 

And, ALWAYS lock your car door. They will not cover you if unlocked. (NRA) / Lockton Affinity. 

Insurance is one of the biggest ripoffs the American people face. Just look at the amount we all pay each year in all the insurance we buy and how many times you actually collect on it. I've been paying over 40yrs and never made a claim. Like 95% of the rest of you.

Yes most insurance is a scam. For years, it has gotten special treatment from Congress, and when people started to get wise to it, they lobbied for and got, permission to rip us off on stocks and securities as well.

Insurance is one of the few things we buy and hope to never use it.

Friend lost everything in the Paradise fire Big safe did not help,how hot,hot enough to melt steel,he had great insurance and they paid him the going rate for his guns....he did loose keepsakes....He made in out of there in the nick of time,so in that way he was lucky....