Are My Guns Covered By My Homeowners Policy?

“Are my guns covered under my homeowners insurance?” is a common question gun owners ask. The answer, in a nutshell, is yes. Firearms fall under the “personal property” portion of your insurance and will be covered in the event of fire or theft for a blanket amount, as stated in your policy. ($2,500 is a typical amount.)

If you have an extensive gun collection, or are a collector of antique or specialty guns that are valuable, they may not be covered for their full worth. Checking your policy is a good way to determine if the coverage adequately protects your firearms.

You are not limited to only the blanket amount your policy provides. If your guns are worth more than your current policy will pay out, you can buy a rider for the additional insurance to cover the difference. You may, however, need to supply receipts of purchase or appraisals in order to obtain supplemental insurance.

The Prutting Insurance Group can answer all your questions about guns and homeowner’s insurance, We can help you determine if your current policy will adequately cover your firearms. Contact us today for more information or to make an appointment. We service the greater Scottsdale, AZ area.