Burtnett Insurance Agency Blog
For many Texans, firearms are an important part of life. That's why Germania doesn't put limits on the number of firearms our home insurance covers.
Are firearms covered under homeowners insurance?
No matter how carefully you clean and maintain your firearm, unexpected things can happen. Even if you store them in a fire-resistant safe, there is no guarantee that they won't be severely damaged in the event of a disaster.
For this reason, many people choose to purchase insurance for their firearms. There are a number of companies and organizations that provide specialty firearm insurance. However, before you purchase a separate policy, make sure to check with your homeowners or home insurance company and ask if they provide coverage for firearms.
Most home insurance policies have a section called "unscheduled personal property" which provides some amount of coverage for personal belongings that aren't otherwise listed. This might include items such as computer equipment, but can often cover firearms as well.
That having been said, keep in mind that insurance companies often have coverage limits for firearms, not just in terms of a dollar amount, but the specific quantity of firearms. In other words, they may place a limit on the number of guns the policy will replace in the event that they are destroyed in a covered disaster. As always, policy specifics vary from provider to provider, so be sure to ask yours about firearm coverage limits.