I'm interested in a new insurance policy with regards to replacement value of my guns, not just covering the original cost. Values have changed drastically in the last 25 or 30 years since I first acquired some of my collection and inflation has taken it's toll.
Has anyone had their collection appraised before? How did you go about it, and who qualifies as a legitimate, recognized firearms appraiser? I would not think your run of the mill FFL would qualify for these purposes. Were appraisals priced by the hour, by the gun or by....?
My NRA membership includes a small policy, with provisions to upgrade as well. Any thoughts on this? Frankly, the only comment I have seen on NRA insurance was not complimentary.
Also, has anyone had the unfortunate experience of sustaining a loss (fire, theft, etc.) and then filing a claim? How many hoops did you have to jump thru to process your claim and what were the results?
I use a gun safe for storage and the place has an unmonitored hard-wired alarm system as well. This hopefully results in lower premiums. My area isn't the greatest, but I and my neighbors have never had any major problems aside from the very rare instance or two of auto stereo burglary. I feel fairly secure, but FULL VALUE insurance would let me rest easier while out of town.
I am loking for some feedback BEFORE I deal with an agent, as I don't like the feeling of being "a babe in the woods" when I walk thru the door of an insurance company.
All feedback greatly appreciated. Thank you. Good Guy
Just one of the Good Guys.
Has anyone had their collection appraised before? How did you go about it, and who qualifies as a legitimate, recognized firearms appraiser? I would not think your run of the mill FFL would qualify for these purposes. Were appraisals priced by the hour, by the gun or by....?
My NRA membership includes a small policy, with provisions to upgrade as well. Any thoughts on this? Frankly, the only comment I have seen on NRA insurance was not complimentary.
Also, has anyone had the unfortunate experience of sustaining a loss (fire, theft, etc.) and then filing a claim? How many hoops did you have to jump thru to process your claim and what were the results?
I use a gun safe for storage and the place has an unmonitored hard-wired alarm system as well. This hopefully results in lower premiums. My area isn't the greatest, but I and my neighbors have never had any major problems aside from the very rare instance or two of auto stereo burglary. I feel fairly secure, but FULL VALUE insurance would let me rest easier while out of town.
I am loking for some feedback BEFORE I deal with an agent, as I don't like the feeling of being "a babe in the woods" when I walk thru the door of an insurance company.
All feedback greatly appreciated. Thank you. Good Guy
Just one of the Good Guys.