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What’s gun insurance?

Gun insurance is part of what we call Valuable Personal Property insurance, or VPP. It helps protect your firearms, bows and equipment beyond what a homeowners or renters policy covers. Plus, there’s no deductible.

How It Works

In general, you give us a detailed description of each item and tell us what it would cost to replace it.

High-value guns, bows or equipment may need a receipt, an appraisal or other documentation to show proof of ownership and value. You can insure one item or many, and limits start at $100.

What does gun insurance cover?

We cover personal firearms, bows, and their associated equipment, gear and accessories. Here are some examples.

  • Handguns, rifles and shotguns
  • Paintball guns, Airsoft guns and BB guns
  • Scopes, magazines and holsters
  • Gun cases and gun safes
  • Bows and crossbows
  • Bow and crossbow optics, lights and releases

Claims covered by gun insurance

Theft

Your Airsoft gun is stolen after a competition.

Drops and Breaks

You accidentally dry fire your bow and it snaps.

Lost Items

Your child leaves their paintball gun at the park.

Does homeowners insurance cover guns and bows?

A typical homeowners policy covers theft. But it limits how much you can get for stolen items.

It doesn’t cover drops, breaks and lost items like VPP insurance can.

A VPP policy also provides other benefits you won’t get with homeowners:

  • You’ll never pay a deductible.
  • Your things are covered at today’s replacement cost.‍ ‍ See note 1
  • If you report a VPP claim, you won’t pay a higher premium the way you might with homeowners insurance.

How much does gun insurance cost?

It depends on your items, their value and how much coverage you get.

Our rates start as low as $2 a month.‍ ‍ See note 2 Plus, we offer savings on auto, homeowners and renters insurance when members bundle their policies with VPP insurance.‍ ‍ See note 3

What if I have a gun with historical or artistic value?

You may want to consider adding VPP fine art insurance for guns with historical or artistic value.

You’ll also want to make sure it’s well documented with an appraisal and any other receipt or proof of value and ownership.

Learn about art insurance

What else can VPP cover?

You’ve got other important belongings, so let’s get them covered too. VPP insurance includes these categories:

Gun insurance FAQ

Replacement cost coverage means you can repair or replace your stolen or damaged property with items similar in quality and worth.

The amount we pay is determined at the time of the claim, up to your policy's limit. Some exceptions or conditions may apply. Refer to your contract for details.

Here are some examples of items that aren’t included in a gun policy:

  • Ammunition
  • Arrows
  • Axes, knives and other weaponry
  • Binoculars
  • Clothing and clothing accessories
  • Footwear
  • Reloading or bullet-making machines

We’ll need the following details for your gun or bow and any accessories you have:

Guns and bows

  • Type of item like whether it’s a rifle, handgun, shotgun, long bow, compound bow, crossbow or other item
  • Manufacturer’s name
  • Model name or number
  • Caliber or gauge, not including bows, crossbows, paintball guns or Airsoft guns

If available, other identifying features like:

  • Serial number
  • Action type, such as lever action or bolt action
  • Barrel length
  • Finish, such as black-blue matte, nickel or stainless
  • Type of grip, such as wood, rubber or plastic
  • Date it was manufactured
  • Any type of customizing, inscriptions and engraving

If applicable:

Scopes

  • Manufacturer’s name
  • Model number
  • Magnification
  • Serial number, if available

Gun and bow accessories

  • Type of item
  • Manufacturer’s name
  • Model name or number
  • Serial number, if available

If purchased within the last five years:

  • Date of purchase

If inherited or owned for more than five years and is still being manufactured, and retail or manufacturer pricing is available:

  • How the value was determined, such as retailer or manufacturer price
  • Name of retailer or manufacturer
  • Date the value was determined

If inherited or owned for more than five years and is no longer being manufactured:

  • Date of appraisal

You don’t need documentation to get a quote, but you may need it to purchase a policy or report a claim.

The type of documentation you’ll need depends on how long you’ve owned the item.

  • Purchased in the last five years: Valid bill of sale
  • Owned longer than five years or inherited and currently being manufactured: Retail or manufacturer pricing
  • Owned longer than five years or inherited and is no longer being manufactured: Valid appraisal