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crime, errors-in-judgement, guns, law enforcement interaction, personal responsibility

Do YOU Have Firearms Theft Insurance?

I did.  In two ways.

FIRST (this is when I owned my house), I had homeowner’s insurance.  My insurance guy (who is a good guy and is still my car insurance guy) made certain he knew about luxuries I owned – jewelry, precious metals, guns.  He had me estimate a dollar figure, required no inventory or serial numbers, and set me up!

SECOND, after a burglary wherein they missed the lockbox of guns (!), I felt it appropriate to get something more substantial.  I did.  A Fort Knox safe.  The damn thing weighed 750 pounds empty and took two of us and an appliance dolly to get it into my spare bedroom. (Thanks, AGAIN, Dave!)  I thought to myself, “Hell, it’s over 800 pounds, NOBODY will be able to take it.   AND, being a quality safe, no one will be able to penetrate it.”

I was correct on the second count.  Wrong on the first.

A few years ago, around this time of year (hence, this memory flogger) a drunk driver jumped the kerb and knocked down my backyard chain-link fence, and struck the back wall of my house!  The impact slid the whole rear block wall of the house about two feet!

Fortunately, no one was home.  I was at my (then) girlfriend’s that weekend.  Returning home Sunday night was quite an ordeal.  But, my insurance guy set me up in a hotel, got the house secured, and hired contractors to essentially rebuild the entire rear of my home!

Part of this process was to have my stuff in that part of the house moved into storage.  But the storage guys advised me they couldn’t do anything pertaining to the safe or guns.  I figured “Hell, it’s over 800 pounds, NOBODY will be able to take it.   AND, being a quality safe, no one will be able to penetrate it.”

Two weeks later, while I was ensconced at my insurance-paid-for-condo a mile North of my house, ‘someone’ broke off the contractor’s realty lock, keyed their way in, and took the whole damn safe!!

This was after trying to breach it, unsuccessfully.  (Thank you Fort Knox!)

How did I know they were unsuccessful at a breach?- I found the combo dial and safe handle on the floor when I stopped by to check the mail.

Of course, the police were also unsuccessful at developing any suspects.  They did say they checked out all the contractors and movers, to no avail.

So, I went to my insurance company.  And found out (or was reminded) that while there was a rider covering my firearms, it capped at $5000.  My safe contents was over $20,000!  I had thought the safe would save the day, but circumstances aligned themselves to give the burglars ample opportunity to get my safe out.

And I was out $15 grand.

I looked at my NRA insurance.  It was for a small sum at the time, and by the time I’d thought of it and got around to making a claim, the claim time had passed.

As NRA members, you have $2500 in firearms theft insurance – BUT YOU MUST REGISTER FOR IT!  AND file your claim within one year.

I’m now a renter, and own two guns.  You can bet I registered for my free NRA Insurance!

If you haven’t yet done so, do so, NOW.  If you are not an NRA member, sign up and get free insurance!


This ArmsCare Firearms Insurance protects your valuable firearms and accessories from direct physical loss, damage, fire and theft. Plus, serial numbers are not required.

Coverage must be activated to take effect. Take a minute and activate your no-cost benefit today!


Activate nowAND there’s reasonable cost additional insurance if you own over $2500 in firearms!As I now have only two guns, it’s no cost to me!FTC – The NRA paid me nothing to say this.  Nor did Fort nox.  Now go away…
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About guffaw1952

I'm a child of the 50's. libertarian, now medically-retired. I've been a certified firearms trainer, a private investigator, and worked for a major credit card company for almost 22 years. I am a proud NRA Life Member. I am a limited-government, free-market capitalist, who believes in the U.S. Constitution and the Rule of Law.


6 thoughts on “Do YOU Have Firearms Theft Insurance?

  1. I actually carry a $75K rider for firearms on my home policy… For JUST that reason!

    Posted by Old NFOut | December 4, 2013, 9:59 am
  2. Good reminder; I keep forgetting about the NRA coverage.

    Posted by Rev. Paul | December 4, 2013, 10:18 am
  3. Thanks for the NRA info – I did not know that and while I don’t have much value-wise (Dad’s guns aren’t worth much except sentimental value), it would still hurt to not be able to replace the Glock and M1 at least.

    Posted by ProudHillbilly | December 5, 2013, 7:24 am

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