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Firearms Insurance: What Shooters Need to Know
Apr
Firearms Insurance: What Shooters Need to Know
A stolen $3,500 Daniel Defense MK18 with EOTech optic and SureFire suppressor isn’t covered by homeowners insurance if the total loss exceeds your policy’s firearms sublimit – which is often just $2,500. That’s why specialized firearms insurance exists.
Homeowners vs. Dedicated Firearms Policies
Most homeowners policies cap firearms coverage at $2,500-$5,000 total and exclude accidental discharge liability. A dedicated policy like those from USCCA or Lockton covers:
- Full replacement cost for collections (no per-item limits)
- Worldwide theft coverage including vehicles
- Liability protection up to $1M per incident
- Legal defense reimbursement
Frtinstock customers storing multiple rifles like the Springfield Saint Victor or CZ Scorpion EVO 3 should consider standalone coverage.
Top Firearms Insurance Providers Compared
USCCA ($22+/month) leads with training resources and $2M civil liability. Lockton ($150-$300/year) offers pure property coverage for collectors. NRA Endorsed ($165/year) includes $1K for stolen accessories.
Key differences:
| Provider | Max Coverage | Legal Defense | Best For |
|---|---|---|---|
| USCCA | $2M | Yes | CCW holders |
| Lockton | $50K | No | Collectors |
| NRA | $25K | No | Range users |
What’s Not Covered (Read the Fine Print)
No policy covers illegal activities or intentional acts. Most exclude:
- Confiscation by law enforcement
- War or nuclear risks
- Gradual damage like rust
- NFA items without special riders
For suppressors or SBRs like the SilencerCo Omega 36M, ask about Class III endorsements.
Documenting Your Collection Properly
Insurers require proof of ownership. For each firearm:
- Photograph serial numbers clearly
- Save original receipts (Frtinstock provides digital copies)
- Record model details (e.g., “FN SCAR 17S 7.62 NATO”)
- Get professional appraisals for rare pieces
Store copies offsite – encrypted cloud storage works best.
Does concealed carry insurance cover my guns at home?
No. CCW policies like Second Call Defense only cover self-defense incidents. You need separate property coverage for theft or damage.
Are modifications like Geissele triggers covered?
Only if specified. Most policies require listing accessories over $500 separately. Attach gunsmith receipts to your documentation.
How fast do claims pay out?
Expect 30-60 days for complex claims. USCCA processes straightforward theft claims in under 2 weeks with proper documentation.
Browse our firearms collection
Last updated: April 28, 2026
