Does renters insurance cover firearms?

I inherited my great-grandfather’s Weatherby 12 gauge shotgun and his Beretta 70 handgun. Will my renters insurance cover firearms?

Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s likely that
renters insurance
covers firearms, but only up to a certain amount. In your case, it sounds as if the guns may qualify as antiques, which means that they’re likely worth quite a bit. In general, if you own an expensive gun—whether it be an antique or just a pricey model—you’ll probably want to take out a supplemental rider on your basic policy.
Here are some other insurance considerations when it comes to firearms:
  • Have your firearms appraised and/or save receipts. If you’re seeking to insure an antique, your insurer will likely require you have the gun professionally appraised. In terms of a new gun, save your receipt. Whether you take out a rider or not, a receipt will come in handy in case you need to file a claim.
  • You may have issues with personal liability coverage. Your renters insurance likely has Coverage E, or personal liability coverage. Your insurer may raise your rate a bit because of the additional risk that comes with owning a firearm. For instance, you could accidentally injure someone with the gun or—if your gun’s stolen—it could be used to commit another crime.
  • Store the gun properly. Many insurers will provide a discount if you buy a gun safe or otherwise store the gun securely.
And, yes, you should report that you now own a gun. Otherwise, if an accident occurs, you may discover you’re not covered.
Questions about insuring specific items such as firearms are common. For answers to questions about your
car insurance
or renters insurance, reach out to
friendly agents. Our agents are just a text or phone call away.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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