Gun, Bow & Accessory Insurance -
Frequently Asked Questions

What does the policy specifically cover?

It provides coverage for your firearms, air guns, bows and arrows, including accessories while in the United States, Puerto Rico, Virgin Islands and Canada. Coverage can be extended worldwide for any trip up to a maximum of sixty days per trip and up to the maximum insured sum of $10,000. Higher limits are available for additional premiums.

What kinds of accessories are covered?

Accessories such as scopes, rings, mounts, slings and sling swivels that are attached to the insured firearm. Accessories also include additional barrels and traps used to catch fur-bearing animals.

Is there a statute of limitations on reporting a claim?

Yes. You must report a claim within (90) ninety days from the date the loss is discovered. Call 1-888-660-7719 to report a claim.

How long does it take to process a claim?

All claims will be handled within ninety days of receiving the completed claims information requested.

Is the coverage for replacement cost or actual cash value?

Both types of valuation are available. Standard valuation is actual cash value of the property at the time the loss or damage occurs. Applicant may request replacement cost value, if desired, for additional premium.

What is the difference between replacement cost and actual cash value?

Replacement Cost means the cost to replace the property on the same premises with other property of comparable material and quality used for the same purpose. Actual Cash Value (sometimes referred to as "fair market value") is the cost to replace with new property of like kind and quality, less depreciation. Both are based on the cost today to replace the damaged property with new property.The only difference between replacement cost and actual cash value is a deduction for depreciation.

Questions or to Apply for coverage?

Call 1-888-660-7719