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Insurance Question

Discussion in 'Shooting Related Threads' started by BobKatz, Oct 20, 2011.

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  1. BobKatz

    BobKatz Member

    Joined:
    Nov 19, 2009
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    Does anyone insure their guns thru and/or have any experience with Sportsman's Insurance Agency, Inc. in Ormond Beach, Fl.? I'm interested in any good/bad/indifferent experiences anyone has had with them.
     
  2. MTA Tom

    MTA Tom Active Member

    Joined:
    Jan 29, 1998
    Messages:
    1,301
    I've insured my K-80's with them for many years. They've been fine, but then I've never had to file a claim.
     
  3. Jeff P

    Jeff P Well-Known Member

    Joined:
    Jan 29, 1998
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    1,689
    I looked at them....USAA was cheaper for me.
     
  4. quartering

    quartering Active Member

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    highway robbery! those rates are no bargain. in fact, they're almost twice what a rider on your homeowners insurance policy would cost you. talk to your insurance agent first. good luck with it
     
  5. Kemper

    Kemper Active Member

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    Jan 29, 1998
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    Let me warn you all, if the gun is considered lost not stolen, the claim, no matter who sells it to you will be turned down by the underwriter, unless the policy state lost or stolen. The airlines, USPS, UPS, etc. report them lost, you don't have your gun, they don't have your gun, you paid your premium, you loose. Make sure your agent represents you properly. That little lesson cost me a 12K gun.

    You've been warned.

    Barry Kemper
     
  6. Oscar Ray

    Oscar Ray TS Member

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    Jan 22, 2010
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    814
    Try Collectibles Insurance Westminster MD, great company to deal with and rates are really resonable

    Oscar
     
  7. quartering

    quartering Active Member

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    good point. who defines lost or stolen? the police or your insurance company? it's always nice to have a good safe or two. they can't argue with that. good luck with it
     
  8. pdq

    pdq Member

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    Aug 24, 2006
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    Contrary to what was stated above, I found the cost via a rider on my homeowners insurance was almost TWICE what SIAI charged, and SIAI's coverage was more comprehensive.

    Worth checking before jumping to conclusions.

    Pete
     
  9. gun fitter

    gun fitter TS Member

    Joined:
    Jan 29, 1998
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    2,959
    They have been in business for quite a while and their rates are reasonable for the coverage. I had their insurance when I was traveling a lot for my guns and have their insurance to cover my liability as an instructor. Always very helpful when ever I needed to call them but I to have never had any claims.
    Joe
     
  10. cunninmp

    cunninmp Member

    Joined:
    Nov 15, 2008
    Messages:
    639
    I have USAA for my CG Maxum Combo. Price in CA with sales tax was $10480.00
    My policy covers lost, stolen, and even damaged. So if I'm showing it to
    someone and they drop it, it's covered. If lost by UPS as long as it's
    declared, that's covered.
    It's not with my homeowners but separate policy, full replacement value.
    This year the cost was $140.00. That's roughly 1.34% of the cost to replace.
    Not sure how much other companies would charge for an equivalent policy.

    Mike C.
    Groveland, CA
     
  11. cunninmp

    cunninmp Member

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  12. postmastertim

    postmastertim Wheels are falling off.... TS Supporters

    Joined:
    Dec 3, 2009
    Messages:
    648
    Location:
    Tennessee ATA #1013962
    Collectibles Insurance covers both loss and damage.

    I pay $58 a year for $7500 coverage.

    Covered Losses
    Broader and more comprehensive than homeowners insurance, the policy provides for most causes of loss unless specifically excluded. Covered causes of loss include but are not limited to

    •mail loss
    •theft
    •fire
    •flooding
    •natural disasters
    •breakage
     
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