Also keep in mind that in addition to having to pay more for additional coverage (mine was only 5k base) that they'll also add onto your premium simply because now you have confirmed that you have firearms in the house and this makes you high risk. It's a double-whammy.......................quote]
You need a new insurance carrier my friend!
...most insurance will only cover either 5 or 10k ( i cant remember)in firearms without buying addition coverage...so you need to document what you have and if it makes you feel fuzzy then get it appraised...but if you have good documentation then it could be done after the fact if needed. IMHO
Wow, that sucks.I wish my insurance (farmers) had that much coverage! Our house got broken into in feb. of 08, had a few handguns, watch's, wife's jewelry and cash taken. Long story short, they only covered $100 in cash, $1000 in firearms, and $5000 in jewelry max without additional coverage. Plus i had to prove that i owened everything that was stolen. (box's firearms came in, ser. #'s, ect....) Needless to say, I purchased a rather large gunsafe that is now anchored to the wall and floor with the $ i would have to pay for the seperate policy for the firearms.