Renters Insurance and Firearm Coverage... Don't Use Lemonade


I was an insurance adjuster for Farmers and at the time you were limited in regards to firearms. I can’t remember what it was. $2500? Anyway you could call your agent and add a rider for like $20 a year. Some small amount that raised it quite a bit.
In short talk to your agent and add coverage if you need it.


Yah. As others mention check with your current insurance provider, I was pleasantly surprised.

Contacted ours (AMICA), and got back the following for bumping up our coverage:

In Regards to our most recent conversation I have provided the quotes for Increasing personal property coverage.
Prorated $16.00
Annual $19.00

Prorated $51.00
Annual $61.00

Prorated $88.00
Annual $104.00

Prorated $145.00
Annual $174.00

Mind, that it obviously depends on the company, as well as what other products you may currently have with them. We carry renters, several autos as well as a moderate umbrella with them currently. So given the number of products we have with them, and no claims history, my price quote was likely skewed accordingly.

However, also took a look at collectinsure collectibles insurance thanks to this thread. There quote for $100K coverage was approaching $600 per year. Didn’t check lower coverage.

Also notable is collectinsure SEEMS easier to provide coverage, encompassing all aspects of our lifestyle. Scopes, accessories, ammunition etc etc, as well as the firearms themselves.

Whereas any common carrier will more than likely require “better” documentation of covered items if a claim were to be made. Receipts, bills of sales & the like.

So I’ll likely bump our coverage up a good bit with my common carrier, and go with a smaller policy thru collectinsure for all the incidentals which my common carrier may not cover without paper trail documentation.

Video everything & keep receipts, bills of sale (trade) etc. Dual/multi store copies of such. Video storage is enough to do these days.
I recently sold my house and moved to a rental house until this "inflated" housing market supposedly collapses. In the meantime, I need rental insurance but I have been looking at different companies policies regarding firearms and insurance limits. I ran across a very popular company named "Lemonade." Their rates are attractive but on further research, I found their stand on firearms and policy limits. Needless to say I will definitely be avoiding them and recommend anyone else in the 2A community to avoid them too.

That is their firearm policy and let alone they limit it to an "adequate $2500"... For a lot of us this doesn't even cover individual guns let alone a collection. They also say they exclude "assault rifles." Now I don't own a true "assault rifle" with select fire but I do have a few MSRs that they I'm sure would exclude from being insured.

Just wanted to put this out there for everybody and want to know what insurance companies you have found that are pro 2A?
Most companies have a rider you can buy for firearms and accessories. An alarm, cameras, inventory and pictures of items and other measures are your best bets though.


USAA didn't bat an eye--they did ask if I was in a "firearm related business. Changed to their home owner and auto insurance 1 month ago. Priced well, picked my deductable and total amount.
Strange. I've found USAA to be the most expensive for the lesser coverage when compared to American Family, State Farm, Travelers, etc. I suppose, it may depend on where you live.
The package deal from USAA for home, firearms, and auto was good. I didn't check firearm only. Possibly, Ada County in Idaho is different pricing than King County in WA? (I grew up in Bellevue/Medina!) Cost of living is WAY different.....
Most standard home owners policies limit firearm coverage to $2500-ish. And don't just take what your agent says to be factual...especially agents that rep a lot of different policies. READ the exclusions and limitations section of your policy yourself and see what it says.

Collect Insure and Eastern are two very good companies that provide individual firearms insurance and usually at far better rates than the riders/personal articles policies that the big home insurance companies offer.

I'm with Collect Insur and they beat AAA and State Farm by miles when I was shopping for this. But insurance rates and what they will and won't cover can vary widely in different parts of the country, so check your specific area.

Also be aware that some companies want serial numbers of your guns. Not sure how you feel about that but Collect Insure does least for guns under $5K.

Lastly, make sure you do have the serial numbers recorded along with pictures of each firearm. You will need this if you should ever have to file a claim. Keep this info stored somewhere that is safe from fire and theft so you still have it if you ever need it. :)

Edit: Don't forget to take into account all the accessories...holsters, mags, optics, cases, tools, lights, lasers, bipods, AMMO, etc. It is amazing how quickly this stuff adds up. And it's also questionable how a regular home owners policy would view these things. Do they view them as "normal household items" or do they view them as part of firearms and therefore they would be restricted to the limitations of the policy? You certainly don't want to find out that it's the later after it's too late.

Collect Insure will cover these things...and ammo too...but you need to make sure they're included in the total value of your policy.
Collect Insure: guns, optics, safes, ammo, AND reloading equipment and supplies. I don't want my homeowner's company to have anything to do with my firearms, ammo or reloading equipment. These guys are considerably lower cost whole policy is "replacement cost" and they use as their pricing guide for adjusting any losses. Done and done.

Renters policies are a waste of money. Use insurance for things that would have a severe impact on your life, house burns down or you cause a car wreck that does serious damage. For things like guns, or your TV, or other consumer items just self insure. You'll come out ahead.
$14 per month?

For some, this may be true. For others, the loss of their $1500 Mt. Bike, or Macbook Pro might not be so easy to replace. Renters insurance is not that costly since you just covering your belongings, not the structure you live in. Quick look on line looks like average Oregon cost is $13.34 per month! If one does not have the cash in the bank to replace their main items, $14 per month is a no brainer.
Screen Shot 2020-09-22 at 3.04.14 PM.png



Lead Farm Precision Rifle Match
The Lead Farm
34006 Gwinn Rd, Prosser, WA 99350, USA
Arms Collectors of SW Washington Gun Show
Battleground Community Center
912 E Main St, Battle Ground, WA 98604, USA
Rimfire Challenge Dec 12th @ DRRC
Douglas Ridge Rifle Club
27787 OR-224, Eagle Creek, OR 97022, USA
Albany Rifle & Pistol Club (ARPC) Gun Show
Linn County Expo Center
3700 Knox Butte Rd E, Albany, OR 97322, USA


  • Sportsman's Warehouse - Albany
    5.00 star(s)
    Good products at good prices with friendly and knowledgeable staff!
    We like to visit the Albany location as it's closer but have been to several others and they have all been great!:D
  • Umpqua Survival
    4.00 star(s)
    Easy NFA transfer
    I had a silencer transferred through their shop. The paperwork was quick and the staff helpful and friendly. Whilst waiting, I did see a nice...
  • MK Tactical
    5.00 star(s)
    Awesome staff
    Being new to the area and having just made an online purchase of an AR lower, I opted to use MK Tactical as my FFL, without knowing anything about...
  • J&B Firearm Sales
    5.00 star(s)
    Good local shop
    Picked up a rifle yesterday from J&B. This was the second or third gun purchase over the last few years from them. I always enjoy stopping by...
  • H&K Gun Shop
    5.00 star(s)
    The only place I have found 9mm in stock
    I’ll admit I didn’t even know this place existed, as I don’t tend to go into Forest Grove often. But it’s a giant (looks bigger from the...
Top Bottom