I have been with Eastern for 15 or more years. I've never had a claim but I have never worried about my guns that I take to a shoot, buy at a gun show (covered as soon as you buy it) guns don't have to be scheduled unless over 50K, covers damage, as if I fall and break a stock, shipping, travelling out of the country (NRA insurance doesn't cover out of the country) as I know people that have made claims to them and didn't encounter problems. And Jack is a collector and gun guy himself. Sometimes it nice not to have to worry