Does home insurance cover firearms?

I own a gun for personal protection since I live in an area with a history of break-ins. Will my insurance cover this gun and any other firearms I buy in the future?

Answer
Yes! A firearm is considered personal property and will be covered from any peril that your other personal property is protected from, like fire. The biggest difference is that firearms have a $2,500 limit after being lost, stolen, or damaged. If you have a gun that is considered art or an antique, you should speak to your insurance agent about scheduling these items on your policy. This will provide an extra level of protection, as well as higher coverage limits.
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Shannon Martin
Answered on Mar 03, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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