We believe our gun insurance program is the finest in the nation, not secondary like many insurance programs. Look below to see how our program works and why it's the best gun insurance you can buy!
Our policy is an annual policy, not just for a trip or a season. Once issued, your Certificate of Coverage is good for a full year and is renewed on an annual basis.
The annual cost is just $1.25 per $100 of insured value ($12.50 per $1000, $125 per $10,000.) While other gun insurance providers increase their premiums on a regular basis, our cost has been the same for 20 years. This is scheduled insurance, so each item you want to insure must be listed. Each item will have an insured value that is used to calculate your annual premium. That way, you will know exactly how much insurance you have for each item.
Our policy is Primary Insurance. So, there is no need to have a personal effects floater on your insured items. This also means that in the case of a loss, you do not have to contact your homeowner's insurance carrier or file a claim with them. Your gun insurance policy will pay the full insured value of your loss, with no deductible.
For items still being made, your coverage is for full replacement value. This means that in case of a complete loss, we will replace the lost items with the same or an equivalent new item. There is no deduction for depreciation. For items no longer being made and for certain custom items with an agreed upon value, your coverage is for the full amount listed on the schedule. In the case of a loss, you will receive payment for the full scheduled value of your loss without any deduction for depreciation. In the case of accidental damage or breakage to a scheduled item, we will pay for repair or replacement up to the policy limits.
We must receive a written application in order to provide you with insurance. You can apply via mail, fax, email or online. Regardless which method you use, your insurance can start as early as 12:01 am of the day following the day that you submit your application, provided that the application is complete, or on any later date that you request. Once we receive your application, we try to issue your Certificate of Coverage within three business days. Delays occur when we receive incomplete applications and when we do not get enough information to verify the value of the items to be insured. For this reason and to make sure that your application is accepted, please apply at least two days before you are scheduled to travel with your firearms. Since this is an annual policy that provides a full year of coverage, we encourage customers to apply early so that there will be sufficient time to resolve any questions that may arise. To apply online right now, click here.
Your gun insurance coverage is very similar to a personal articles floater (PAF) that you may have as part of your homeowner's or renter's policy. Also it is an "All Risk" policy. This means that the policy covers all the risks that are not specifically excluded by the policy. Most important, it is scheduled coverage. Each item that you want to insure must be listed and must have an appropriate insurable value assigned to it. In general, a covered loss occurs when an insured item is stolen, lost, or is accidentally damaged. After a loss is reported, the insurance carrier will either repair (if economically feasible) or replace the item if it is still being manufactured. For insured items that are out-of-production, the carrier will make payment for the insured value.
This gun insurance is available only to members of the four organizations that endorse it and recommend it for their members: Amateur Trapshooting Association, National Skeet Shooting Association, National Sporting Clays Association, Safari Club International, Scholastic Clay Target Program and Scholastic Action Shooting Program. In addition, you must be a resident of the U.S. or Canada, although you do not have to be a citizen. Once coverage is extended, you must maintain your organization membership and resident status for the insurance to remain valid.
After we receive your application, we try to issue your Certificate of Coverage within three business days. During this process we may have to contact you for more information, so please make sure that we have daytime contact information for you – phone, email, and cell phone. Part of the underwriting process is to verify the insurable values of your items. We may have to adjust the values that you provide. The insurable value for items still being manufactured will be the MSRP (manufacturer's suggested retail price.) For items no longer being made, the insurable value will be the current market value. Generally, for current market value we use the 95% condition value from the current edition of the Blue Book of Gun Values. However, we also can accept appraisals, recent bills of sale, and comparable values from the internet.
Payment must be received before a Certificate of Coverage can be issued. We accept major credit cards and checks. If you do not want to put your credit card information on the application, you can call us or ask us to call you.
The effective date for your coverage can be as early as 12:01 of the day following the day that you submit your application, regardless of method, provided that the application is complete and payment has been made. However, you can specify any later effective date as well.
When the underwriting process is complete, we will send you a copy of the policy, your Certificate of Coverage, and a copy of your Schedule of Insured Articles. You may add or delete items on a pro rata basis at any time by submitting your request in writing via fax, mail, email, or by completing the Change Form on this website.
There is a separate FAQ section on this website that will be updated periodically. Also, you can call our office (800 925-7767) and our staff will be glad to help you.