Free Insurance Comparison

secured lock Secured with SHA-256 Encryption

Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Dec 11, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Should I insure my guns?

Guns can be some of the most valuable items in your home, right up there with jewelry and other collectibles in terms of monetary value. If a catastrophic event happens to your home, like a fire, you don’t want to be unable to replace your lost firearms because you didn’t have the right insurance. In addition, guns are also relatively small and easy to carry, which makes them some of the most commonly targeted items by thieves.

A typical homeowners policy will cover items lost due to a catastrophic event or theft, and guns would be included just like your other household possessions. However, due to their higher value, most standard insurance policies limit how much they pay out for guns and other high-ticket items. You may have a gun collection worth $6,000, but your standard home insurance policy may only allow for a loss of up to $1,500.

To make sure your collection is fully covered, there are a few things you can do. You can add on scheduled coverage that is based on the real value of each gun and will cover the full loss if something happens. This might require you to list each gun individually and have each appraised to arrive at an agreed-upon value that the insurance company is willing to cover.

If you have a large collection, your best bet may be to add on blanket coverage. This places a total value on all your guns and would cover each individual firearm or the entire collection up to a specified dollar amount. Sometimes scopes, lenses, and other accessories will also be covered in a blanket policy. Usually a deductible will not apply to a blanket or scheduled coverage policy.

Another option is to look at an enhanced homeowners policy. This type of policy will usually have higher limits for items like firearms and can provide extra reassurance without needing to add on separate policies or coverage just for your gun collection.

If you own any guns and you want to make sure you have the right insurance coverage for those guns, give us a call. We can help you find the policy that provides you with the coverage you need.

Free Insurance Comparison

Enter your zip code below to view companies that have cheap insurance rates.

secured lock Secured with SHA-256 Encryption