Question

Are my guns covered by my homeowners insurance?

I have some nice rifles and I am wondering if they are covered by my homeowners insurance?

Jan 2, 2018 Gainesville, FL

Answer
Ava Lynch

Jan 2, 2018

Your home insurance will usually cover your guns for theft or damages through your personal belongings coverage - however, that is subject to coverage limits that might not totally cover your loss. If you want to add additional protections for your rifles, I recommend speaking with your insurance company about a rider/endorsement. This will allow you to raise your coverage limit for your guns, specifically. Bear in mind, this will come at an additional premium.


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