Let me start off by saying, I am not a salesman for any insurance company and I don’t get any kind of kick back from, nor am I affiliated with the company I am going to mention in this article. I simply think this is a very important topic, that I have never heard anyone talk about and I assume most other people haven’t either.
A few weeks ago, three of my fellow shooters and I were on our way to an out of state match. During the 11 hour drive, we decided we could kill some time adding up the total value of all the stuff we had in the bed of the truck; just to see what the ridiculous number would end up at. Of course, by the end of it, we were adding value of things like shaving cream, shooting jerseys and beef jerky from the gas station to see how high we could get the number, but the important numbers came from…you guessed it, our guns.
Keep in mind that we were traveling to a major 3 gun match and all four of us are serious shooters. When we added up all our gear and guns, we topped out at over $50,000! Crazy right? I guess I had never really thought about it much, but that is a chunk of change.
After the match, I was curious as to what my car insurance or homeowners insurance would cover, if some (or all) of our stuff got stolen out of my truck. After a few phone calls, I learned that my car insurance would cover an awesome $200. That’s right….two hundred bucks. My wife can’t even get her hair did for $200. I wasn’t really surprised about the car insurance coverage, but I also learned that they didn’t even have an option for me to purchase additional coverage; and this isn’t some small time insurance company. After I talked with my car insurance, I tried my homeowners insurance.
I learned that my homeowners insurance was more concerned that I owned firearms, than they were with paying me back if they got stolen, but after talking to a few people, I found out that they would cover $2,500 worth of firearms. So, what does a guy do if he wants to drag tens of thousands of dollars in guns around the country, stopping at ratty truck stops and gas stations along the way?
Being a card carrying member of the good ol’ NRA (National Rifle Association), I called up the company who I also buy Firearms Instructor Insurance from; Lockton Affinity. They referred me to their site, where I found that you could buy as much insurance coverage as your little heart desires, for a reasonable price and in about five minutes. The only catch is, you have to be an NRA member. To give you an idea, you can buy annual coverage for about $10 per $1K insured. So if you wanted $20K in insurance, it would cost you about $200 plus admin fees. Not bad, if you ask me.
So, if I don’t get anything from the NRA or Lockton Affinity for this, why write about it? Because, it is important that we are well informed and protect the money we have invested in our sport. I know personally, if someone stole my entire competition set up out of my truck, there would be no way I could afford to replace it overnight, or even in a year. Do yourself a favor….check it out.
For more information: http://locktonaffinity.com/nrains/ArmsCarePlus.htm
To purchase now: https://nrainsurance.locktonaffinity.com/ArmsCarePlus/apply