Gun insurance is part of what we call Valuable Personal Property insurance, or VPP. It helps protect your firearms, bows and equipment beyond what a homeowners or renters policy covers. Plus, there’s no deductible.
In general, you give us a detailed description of each item and tell us what it would cost to replace it.
High-value guns, bows or equipment may need a receipt, an appraisal or other documentation to show proof of ownership and value. You can insure one item or many, and limits start at $100.
We cover personal firearms, bows, and their associated equipment, gear and accessories. Here are some examples.
Your Airsoft gun is stolen after a competition.
You accidentally dry fire your bow and it snaps.
Your child leaves their paintball gun at the park.
A typical homeowners policy covers theft. But it limits how much you can get for stolen items.
It doesn’t cover drops, breaks and lost items like VPP insurance can.
A VPP policy also provides other benefits you won’t get with homeowners:
It depends on your items, their value and how much coverage you get.
Our rates start as low as $2 a month. See note 2 Plus, we offer savings on auto, homeowners and renters insurance when members bundle their policies with VPP insurance. See note 3
You may want to consider adding VPP fine art insurance for guns with historical or artistic value.
You’ll also want to make sure it’s well documented with an appraisal and any other receipt or proof of value and ownership.
You’ve got other important belongings, so let’s get them covered too. VPP insurance includes these categories:
Replacement cost coverage means you can repair or replace your stolen or damaged property with items similar in quality and worth.
The amount we pay is determined at the time of the claim, up to your policy's limit. Some exceptions or conditions may apply. Refer to your contract for details.
What’s not covered by gun insurance?Here are some examples of items that aren’t included in a gun policy:
We’ll need the following details for your gun or bow and any accessories you have:
Guns and bows
If available, other identifying features like:
If applicable:
Scopes
Gun and bow accessories
If purchased within the last five years:
If inherited or owned for more than five years and is still being manufactured, and retail or manufacturer pricing is available:
If inherited or owned for more than five years and is no longer being manufactured:
You don’t need documentation to get a quote, but you may need it to purchase a policy or report a claim.
The type of documentation you’ll need depends on how long you’ve owned the item.
