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The Water Cooler
General Discussion
Need firearms insurance, any help would be appreciated.
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<blockquote data-quote="LightningCrash" data-source="post: 1540710" data-attributes="member: 4278"><p>And there you would be wrong. In the specific case of firearms, the ISO HO-3 policy counts them under the CC (Contents) coverage, except for cases of theft. In case of theft the ISO HO-3 only insures them up to $2500 ($2000 if they're using 04/91 addition to HO-3).</p><p></p><p>Some carriers will futz with that $2500 number some but they typically shy away from altering the rest of the HO-3.</p><p></p><p>Another point to consider is that if your super duper carbine w/ Leupold scope and beta mag is stolen.... the scope and beta mag are not a "firearm" and are under regular contents coverage.</p></blockquote><p></p>
[QUOTE="LightningCrash, post: 1540710, member: 4278"] And there you would be wrong. In the specific case of firearms, the ISO HO-3 policy counts them under the CC (Contents) coverage, except for cases of theft. In case of theft the ISO HO-3 only insures them up to $2500 ($2000 if they're using 04/91 addition to HO-3). Some carriers will futz with that $2500 number some but they typically shy away from altering the rest of the HO-3. Another point to consider is that if your super duper carbine w/ Leupold scope and beta mag is stolen.... the scope and beta mag are not a "firearm" and are under regular contents coverage. [/QUOTE]
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