Paul,
I don't know where you are located so I am not sure if this company can write insurance in your state. I live in Illinois and I use Auto Owners, a Michigan insurer. I have the guns I take out of the house on a rider and the ones I leave in the vault are not on a rider. The is not expensive and my agent tells me it covers the guns for any event, taken from my car, breaking the wrist on a double if I fall, leaving it in the woods - doesn't matter the policy covers it for replacement cost (you have to have to have a replacement cost policy). I have no experience with filing a claim, but I do know that Auto Owners has a very good reputation for paying claims.
You must have a recent appraisal for the guns you carry on the rider and maybe the others - can't remember.
There is a maximum for guns not included on the rider but I can live with that exposure.
Hope this helps,
Mike
I also live in Colorado and this is how mine works also (thru State Farm). it's a "sporting goods" policy (I know, makes me laugh also) and it's stated value. You are paying to insure this specific gun and you say the value is $3,000, you're paying for $3,000.
But as Mike's above, it's a full comprehensive policy. Injured, repairs, whatever, covered. It's not outrageous. About $7/$1000 per year. I never feel bad anymore about taking some of my babies out hunting, shooting, whatever. My friend's are stressing while we sit and eat and I'm enjoying my food thinking "mine's insured".
