When you have valuable guns and accessories, it’s important to think about whether you have adequate insurance coverage in the event of a burglary or other theft, fire, damage, or other instance of direct physical loss to your property.
Many homeowners’ insurance policies tend to cover your guns to a limited extent, both in the type of loss covered (generally just theft) and the dollar amount covered per item and overall. Depending on the company, you may be able to purchase a rider to insure your firearms and accessories more fully, but in some cases that means providing serial numbers and/or appraisals.
ArmsCare Plus Firearms Insurance is specifically designed to cover this insurance gap. It provides NRA members with significantly broader coverage for their legal firearms and accessories including attached scopes, rings, mounts, slings and sling swivels and does not require serial numbers.
The first $2,500 in coverage is free for all NRA members; all you have to do activate your policy. Additional coverage is available at a very reasonable cost, starting at just $65 per year for $6,500 in coverage. Only firearms valued at $2,500 or more need to be scheduled.
Here’s a real-life example to illustrate the value of ArmsCare Plus Firearms Insurance: A customer in Missouri had $11,584 worth of firearms stolen when burglars targeted his home. His homeowners’ insurance paid $2,500 and ArmsCare Plus covered the $9,084 difference.
Affordable gun collector insurance is also available for your private collection of firearms that are rare or have historic or artistic value and are never fired. These collectible firearms do need to be scheduled, but serial numbers are still not required.
Be sure you know the terms of your homeowners’ insurance policy regarding your firearms so you can make sure you have the proper protection before you need it.