Are My Guns Covered?

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Your Guns May Not Be Covered in Your Home Insurance Policy

If you’re wondering whether or not your guns are covered by your home insurance policy, you’re not alone! 

Traditionally, home insurance policies cover firearms up to a certain extent. Many home insurance policies have limits of up to $2,500 for firearms; however, the exact figure will vary between insurance companies. It’s important to check with your insurance agent to determine the exact amount of firearm coverage listed on your individual policy.

As a policy holder, you will need to decide if your home insurance offers enough coverage for your collection. For example, if you have $10,000 worth of guns and your policy only covers $2,500, you will need to schedule for the additional $7,500. 

Scheduling your firearms refers to the process of listing the guns you own and their value on your policy. The value that you’ve listed will be covered under your personal property coverage. It’s important to note that listing your firearms under your personal property coverage will come at an additional cost. However, it’s more beneficial to ensure that your firearms are fully covered within your policy should you experience a loss. 

If you have any questions regarding your firearms or your general home insurance policy, contact APPA Insurance today at 606-297-5300 to speak with one of our insurance professionals about your coverage. 


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