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Newbie with a Question

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Newbie with a Question

Postby eternity059 » Wed, 14 Mar 2012 10:18:42

Hello all,

I've been lurking for about a month and just registered a few days ago. I bought my first Springfield XDM 4.5" 9mm and have been to the range about 4 times with it. I am using my firearm as home defense and have been slowing convincing the wife to go shooting with me and when she did, she loved the art of shooting and firearms but is still scared of the loud "Bang."

I do have a question since this is my first firearm. Do I need to inform my home owner's insurance company that I now have a firearm for home protection? It will be stored in a locked safe bolted to a upper shelf in my closet. The gun will remain unloaded until my wife gets used to handling them. She is a sharpshooter though!

Any help will be greatly appreciated!

Thanks,
Man


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Re: Newbie with a Question

Postby dorminWS » Wed, 14 Mar 2012 11:21:34

This is a purely personal opinion, but unless your policy has language that specifically requires notice to them that you have firearms on the premises, I'd say nothing. You don't have a big enough investment to worry about the risk of loss by theft or casualty. I always try to avoid creating records in the hands of third parties as to whether/how many firearms are owned by me just on general principle. And you may hit an agent or company that's anti-firearm. Of course, if your policy DOES prohibit firearms, require notice, or exclude coverage for losses involving them, I'd say it is time to change policies.

Which brings me to a question to which I don't know the answer: What DO homeowner's policies typically say about firearms, if anything?
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Re: Newbie with a Question

Postby TenchCoxe » Wed, 14 Mar 2012 12:10:59

I'm curious as to the reason for which you think you might have to notify your homeowner's insurance.

For example, is it because you want to make sure the value of your gun is covered in the event it is lost in a catastrophe (e.g., fire) or stolen? If so, unless you have some big collection of firearms or some of unusual value, such as rare or collectibles, it should be covered as your personal property, just like your furniture, etc.

If you're thinking about potential liability associated with having a gun in the house (e.g., someone finds it and accidentally shoots himself, or you shoot a burglar and he sues you), I don't know specifically, but I think you might possibly be inviting the insurer to increase your premium.

I did talk to my insurance agent about my firearms, just to make sure that their value was covered and whether I needed an extra rider. He didn't say a thing about making sure such liability was covered.

If you're really concerned, call your agent and ask the question posed as a hypothetical. "I was just wondering, if I were to keep a gun in the house for home protection, would that affect my insurance in any way, or create any insurance-related concerns?"

When I told my agent I had a safe with a bunch of guns in it, he didn't bat an eyelash. This is, after all, Richmond...
"[The swords of the militia], and every terrible implement of the soldier, are the birthright of an American."


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Re: Newbie with a Question

Postby makarovman » Wed, 14 Mar 2012 12:36:19

have mine insured through my policy. cost a little extra but worth it

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Re: Newbie with a Question

Postby eternity059 » Wed, 14 Mar 2012 12:36:55

I've been doing research and read an article about Traveler's insurance canceling home owners insurance due to owning a firearm which started my initial question. That was a few years back but I couldn't find any updates on the situation.

I am asking the question because I wanted a more clear understanding of personal liability if someone broke into my house and I defended my home with my firearm. Would my homeowner's insurance cover personal liability suit against me?

I did call travelers and they cover loss or theft up to $2500 which is not as important to me since I am not a collector "yet"

I am covered for personal liability in self defense situations if I used a firearm to defend my home. I spoke with the underwriters and just wanted to have all my bases covered, god forbid a situation like that happens.


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Re: Newbie with a Question

Postby Kory » Wed, 14 Mar 2012 13:56:48

For those with renters policies my policy only covered 500 dollars worth of sporting goods so I had to have an add on for the guns nag rods and tree stands

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Re: Newbie with a Question

Postby Jakeiscrazy » Wed, 14 Mar 2012 14:46:06

:welcome:

Good to see your question is resolved. Good think for the rest of us to do.
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Re: Newbie with a Question

Postby VBshooter » Wed, 14 Mar 2012 15:35:29

Simple solution if needed,,,If they bust oyur chops about firearms...DROP EM!
Image "Not to worry, I got this !!! " "Stand your ground. Don't fire unless fired upon, but if they mean to have a war, let it begin here." Captain John Parker


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Re: Newbie with a Question

Postby newdovo » Wed, 14 Mar 2012 23:49:14

We have an agent that we use for insurance and had Travelers insurance for home and auto for several years, administered through the agent. when we moved, several years ago, Travelers was insistent, for our "new" house (1970's), that we replace the hot water heater and replace the tank for heating oil (tested... no leaks). Big $$ to replace. The agent didn't have another company that was OK with the oil tank, but several others that we called had no issue with it. we went with someone else and actually saved some money, too.
That said, you CAN find a company that will meet your needs. Several companies sell insurance, separate from homeowners, to help you out in the event that you have to use lethal force to defend yourself, as well.
Good luck.

Parry


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Re: Newbie with a Question

Postby eternity059 » Thu, 15 Mar 2012 11:26:27

Thank you all for the responses. I am headed to sharpshooters in Lorton on sunday for more practice. So far, the 3 times I have been to the range, I have had pretty good results.


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Re: Newbie with a Question

Postby ccooper » Thu, 15 Mar 2012 11:45:02

:welcome: and I have to agree with VBshooter if they bust your chops about firearms ... DROP EM! Never hurts to ask though.
* Guns dont kill people dads with pretty daughters do*
* Gun control is being able to hit your target *
And my personal favorite ...
Sir why do you carry a pistol every where you go? Because a cop just wont fit in my pocket.


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Re: Newbie with a Question

Postby SHMIV » Fri, 16 Mar 2012 02:21:49

Have you read your insurance policy, cover to cover? If your policy says nothing in regards to firearms, then I wouldn't, either. If the policy is opposed to clientele exercising their 2nd Amendment rights, I agree with the motion to get a new insurance company. Be sure to let the old company know why you are leaving them.
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Re: Newbie with a Question

Postby Palladin » Fri, 16 Mar 2012 08:35:09

:welcome:
Now is the time for all good men to get off their rusty dustys...


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