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And if there is no sign of "breaking & entering" in the police report, they won't pay out a nickel. Whatever the firearms were in, be it an automobile, safe, the house, whatever, if there is no sign of forced entry, insurance won't pay a thing. Not NRA insurance, not any insurance. Over twenty years ago, I made the dumb mistake of leaving a couple hunting rifles in the "headache rack" in my pickup while I went into a friends house for a short visit. The truck was locked, and it was broad daylight in a decent neighborhood in Billings, MT. When I came out a half hour later, one of the rifles was missing and the drivers door was ajar. Someone had "slim jimmed" the lock. No money from insurance, and I'm still waiting for the miraculous call from some law enforcement agency that they found the rifle.
Unfortunately this does occur. I will say that the call from the cops can happen though. I know 2 people I worked with who recovered their stolen weapons. One had his car stolen and recovered a week later with his stashed 1911 missing from the hiding spot in the trunk. About 6 months later they recovered the gun and contacted him at work to let him know they were in possession and that it would be released back to him in approximately 2 weeks once sentencing was complete on the person who was caught with it. The other guy received a letter from Chicago PD of all places stating that they had recovered his pistol that had been stolen about 15 years earlier. I don't think he had even reported it stolen. They ended up shipping it to an FFL of his choosing to return it to him.