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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?

Agent Answer

Ava Lynch

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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