Knife insurance?

Charlie Mike said:
Thanks. I'm in CA if that helps. We are insured by USAA.
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Then your USAA policy covers all your personal possessions. Mine does. Its been a few years since i set it up, but your USAA policy transfers somehow to some extent to your personal possessions in your car as well (at least that was an example given to me IIRC by the agent, my knives in my car, break in and the home owners policy covers it)

If you find differently let me know so i can give them a ring.

So while your knives aren't articles of extreme worth in most cases (you had some real expensive ones IIRC), their total cost, makes them worth cataloging.

Knives, guns, blender, flat screen tv, computer, all the same under "a" home owners policy, then its a matter of coverage.
 
ron_m80 said:
So while your knives aren't articles of extreme worth in most cases (you had some real expensive ones IIRC), their total cost, makes them worth cataloging.
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I have approx 20 knives in the AO. Got an additional 10 or so with various makers being completed or modded. I'm more into quality/quantity.
 
ron_m80 said:
Then your USAA policy covers all your personal possessions. Mine does. Its been a few years since i set it up, but your USAA policy transfers somehow to some extent to your personal possessions in your car as well (at least that was an example given to me IIRC by the agent, my knives in my car, break in and the home owners policy covers it)

If you find differently let me know so i can give them a ring.

So while your knives aren't articles of extreme worth in most cases (you had some real expensive ones IIRC), their total cost, makes them worth cataloging.

Knives, guns, blender, flat screen tv, computer, all the same under "a" home owners policy, then its a matter of coverage.
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Personal property and liability follows you anywhere you go.
 
The first thing you should do immediately is READ your homeowner's policy. Especially the parts that mention exclusions and limits within the different policy categories. With State Farm there are very specific limits on firearms, sporting goods, jewelry, etc. You will need a separate rider for these items above their usually very low policy limits for these categories.

If you don't have a safe then statistically it is just a matter of time before you become a victim of theft in my opinion. Insurance should be an addition to your safe because making a claim is a hassle you want to avoid if at all possible. Adequate insurance does take the financial sting out of any loss.

CollectInsure.com like was previously linked has been around for many, many years and is very reputable and backed up by Lloyds of London currently, previously by the Hartford Company. Coverage is very reasonably priced and I suggest you look them up because I think you may be surprised at how affordable this coverage can be.

If you decide you want a safe be sure to buy the biggest and heaviest one you can afford and bolt it down. It will not be big enough. And it will last forever. Spend wisely and once.
 
TKAZ said:
I like that idea, but I would replace the shotgun with an AR15! :D
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That's an excellent idea, throw the burglars off track with a decoy. Burglars will steal the guns first and leave the knives alone. :thumbup:

:p
 
I have AAA renters insurance all my property is covered were ever it is knives guns ammo what ever of course photos receipts are just common sense. For replacement value on say $ 25000.00 is about $ 200.00 a year not to shabby for peace of mind.
 
Receipts are a problem.
 
Home owner's should cover it as long as your collection is well documented and the damage/loss occurs in your home. If you want specific insurance on the collection you will need to have it appraised and get a specific policy for it.
 
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