Insurance cancels policy because of firearm ownership

[Hawaiian]

You all better read your home owners policy. Most have a very low limit of coverage for firearms. $500. on most policies. You need to add a rider to increase the limit or buy alternative insurance to cover them.

 

[Stomper]

I have detailed electronic records (with photos) of all my firearms stored in several locations.

 

[pchewn]

I have detailed electronic records (with photos) of all my firearms stored in several locations.

And the NSA, FBI, CIA, DOE, DHS, ATF, and all other TLA organizations also have your records.

 

[Stomper]

No, I mean "hard copy" files, no "cloud" storage. They don't have access to stand-alone computers that aren't connected to any sort of WAN.

 

[8ball]

If you look at the document he posted from Erie Insurance, it is not a homeowners insurance policy. Ultraflex is a business coverage policy. The Facebook post says 'the guy who repairs my cars has had his insurance dropped. ..because of insurance company found out he has a pistol permit' which doesn't make much sense, unless we are talking about business insurance where he failed to disclose something.

There is a statement by Erie on another site re this post which claims they do offer firearm insurance, but for business insurance you have to disclose if firearms are kept on the premises.

Most businesses that deal with firearms have special insurance policies. The NRA offers specialized insurance for ranges for example.

That's not to say that Erie should have cancelled the insurance, but I'd like to hear the whole story beyond a Facebook post.

 

[Liberty97045]

Let me guess, was it Progressive Insurance?

 

[Joe Link]

I was about to post an insurance-related question and found this thread. Every so often I like to remind people that Travelers cancelled my renters policy due to firearm ownership. I requested it in writing, and you can find the scan in this thread: http://www.northwestfirearms.com/threads/travelers-insurance-anti-gun.158371/

 

[OLDNEWBIE]

Wait a minute! Everyone here keeps telling me your firearms are your insurance policy!
Anyway good info to consider here.

 

[44mag2ndamend]

Having a gun safe will do WONDERS on/for your insurance policy(ies).

I do too, Invited the insurance agent over to have a look. Somehow while inspecting the bank vault door I installed in a sealed concrete room he slipped and the door slammed shut behind him.

That was a good idea of installing a safe!