Does My Homeowners Insurance Cover Guns?

As hunting season approaches, it is a great time to be sure that you have the appropriate amount of insurance for your firearms in case of a loss or an accident. Do you have coverage for them with your homeowners insurance? Do I need some other type of coverage?

Hunting Rifles and Other Firearms Are Covered Under Your Homeowners Insurance, With Limitations

Hunting rifles and other firearms are covered under homeowners insurance like other personal property. Some homeowners policies only provide up to $1,500 in coverage for losses due to covered perils such as fire or theft of firearms. Call Evans, Ewan & Brady Insurance Agency at 512-869-1511 to be certain you have enough insurance on your firearms.

If you are a collector or you think that the value of your firearms might exceed the limit of the basic policy, you will need to purchase additional insurance that increases the coverage limit for them.

Some policies will cover all perils except ones they specifically exclude, while other policies cover only the perils named in the policy. Your policy may not provide coverage for a gun that you lose while you are hunting. For example, if you are duck hunting and your shotgun falls into the lake never to be seen again, it may not be covered under your homeowners policy because the way in which the item was lost is not a covered peril. Fortunately, most insurance companies offer additional coverage, or a scheduled personal property rider, for firearms. By covering your guns with a rider on your homeowners policy, you gain additional coverage for the full value of the item (if needed), as well as coverage for additional covered perils that are not covered under the basic homeowners policy. What’s more, most scheduled personal property riders are not subject to a deductible.

Your homeowners policy also provides liability coverage if you accidentally injure someone on your property. Homeowners insurance will cover some or all of the damages—medical bills, property damage and liability claims—if you accidentally shoot someone. But again, if you think the limits of the standard policy are not enough, you can purchase additional liability coverage or buy a specialized policy for gun owners or collectors.

To keep premiums from skyrocketing, gun owners may have to show that rifles and pistols are properly secured in a locked gun case, have trigger locks, and are out of the reach of children. Be sure that your agent knows that you have firearms of any kind, even if you are not asked. Call Evans, Ewan & Brady Insurance Agency Inc 512-869-1511.

Remember Basic Hunter Safety Rule

Stay safe out there! Don’t forget these basic hunter safety rules:

  • Keep the muzzle of your gun pointed in a safe direction at all times.
  • Treat every firearm as if it is loaded.
  • Be sure of your target and what is in front of it and behind it.
  • Keep your finger off of the trigger until you are ready to shoot.
  • Wear a blaze orange cap or vest.
  • Use a small flashlight during dim light conditions to identify yourself as a human being.
  • Follow all fundamental firearm safety rules at all times.

Whether you are a hunter, a collector or simply have a gun for security purposes, be sure to follow the rules and stay safe. In addition, be sure to speak to your insurance agent about the firearms that you own to be sure that you are properly covered.

Do you own any guns? Tell us what type of insurance you have for them, how you store them, and any other precautions that you take.

Posted 6:25 pm