Firearms, Self Defense, and Insurance Answers

By Ammoland

Montana – -(Ammoland.com)- A couple of Montana Shooting Sports Association members have asked me recently about insurance for firearms and self defense. That divides into two sub-topics:

• 1) Insurance for firearms stolen or lost in a fire, etc., and
• 2) Insurance for legal costs if a person must use a firearm in self defense.

Coverage for loss or theft.

Montana Shooting Sports Association estimates that the average gun-owning household in Montana contains 27 firearms (Right. If you’re gun safe has space it maybe shopping time.) Even with modest firearm values, the total value of such a standard collection will probably exceed the limits for firearms on a typical homeowner’s or renter’s insurance policy.

What should a person with such a collection do?

If you’re independently wealthy and can afford to replace a lost collection, you might choose to do nothing. The rest of us will probably want some sort of insurance.

NRA membership comes with a modicum of firearms insurance – $2,500. The NRA may have expanded coverage available for a price. Your homeowner’s policy may cover a minimal amount of firearms too. There are other insurance products for firearms out there. This is not intended to be a review of competing insurance …Read the Rest

Source:: AmmoLand