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The Water Cooler
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<blockquote data-quote="FullAuto" data-source="post: 3615198" data-attributes="member: 5110"><p>If you are covering your guns under your home policy, you're making a huge mistake. Unless your home burns to the ground or a tornado wipes the slab clean, what do you really think you're going to collect? Yes, if they are paying you $300k for your pile of debris, they'll add in another $5-10k or whatever for your guns. What happens if your gun is stolen? Are you really going to make a claim on your homeowner's insurance over a gun? If yes, are you still going to make that claim when you realize you are subject to that homeowner's deductible? $300k coverage with a 1% deductible? How much do you think you're really going to pocket here? If you don't lose EVERYTHING, then that gun coverage under your house policy is going to be nearly worthless.</p></blockquote><p></p>
[QUOTE="FullAuto, post: 3615198, member: 5110"] If you are covering your guns under your home policy, you're making a huge mistake. Unless your home burns to the ground or a tornado wipes the slab clean, what do you really think you're going to collect? Yes, if they are paying you $300k for your pile of debris, they'll add in another $5-10k or whatever for your guns. What happens if your gun is stolen? Are you really going to make a claim on your homeowner's insurance over a gun? If yes, are you still going to make that claim when you realize you are subject to that homeowner's deductible? $300k coverage with a 1% deductible? How much do you think you're really going to pocket here? If you don't lose EVERYTHING, then that gun coverage under your house policy is going to be nearly worthless. [/QUOTE]
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