I don't know whether to thank or curse you for that link. There's great info there but I could lose many, many hours trying to digest it all.Aligns with what this guy says:
http://gunsafereviewsguy.com
I dropped the firearms rider on my homeowners as I discovered it was subject to my deductable, which is 10% of my coverage amount. I had it for theft reasons, but they would not have been covered except in a total fire loss. It wasn't worth the extra annual premium to me.I've worked a lot of house fires over the years. Usually the contents of the safe is toast just like everything else if a major fire and the house totaled. It usually depends where the safe was located and it there was a lot stuff for the fire to burn in that area. But if that happens the guns are usually covered at full value since the peril that caused the damaged was a fire.
Having a safe and alarm is wise. But consider a separate insurance policy for your firearms since most homeowners and renters insurance policies limit theft of firearms losses from $1,000 to $2,500. Check the Special Limits of Liability on your policy to see what the limit is. I've purchases various policies through the years from either NRA or Collectibles. I recently paid $138 for $15,000 in coverage. Review the policies carefully since even those policies will have special limits and exclusions that may limit or exclude theft of a firearm from an unlocked car.
Not at all. You have a completely valid point of view, well reasoned and well presented.OP I may have just opened up a big can of worms...
Doing it for the kids, I think, is a tad lazy for gun owning parents..
Speaking of the fire protection issue, my buddy had a standard Cannon (or insert your favorite sub $1000 safe, don't recall exact brand) and his house completely burned down around it. We had to cut it open to get his things out. No fire damage at all to anything inside.
I am not saying the fire was welding temperatures or anything but an uninsulated cabinet would not have allowed his paperwork or boxes of ammo to survive.
Something is better than nothing.
Doing it for the kids, I think, is a tad lazy for gun owning parents.