Gun Insurance

[Kenneth Jones (Kenny)]

Eastern contacted me and I'm going to leave my NRA expire after I secure a policy with them. NRA policy is up in another month.
Thanks for making me aware!

[GH-16]

I just renewed my Eastern policy. It sure gives me a nice overall piece of mind knowing I'm insured for most circumstances.

Keep in mind that there is one circumstance you aren't covered for and that's government confiscation. I ran into this with a VHE-20ga I bought on Gun Broker a couple of years ago from a dealer in Maine. Six months after I had the gun in hand the local police showed up at my door with a court order from Maine to take the gun because it was reported as stolen in Maine. It's a long story but the short version is; I lost the gun & the money I paid for it. My eastern policy wouldn't cover it due to the clause for government confiscation. It still hurts every time I think about it.

[Randy Roberts]

Originally Posted by Paul Ehlers

I just renewed my Eastern policy. It sure gives me a nice overall piece of mind knowing I'm insured for most circumstances.

Keep in mind that there is one circumstance you aren't covered for and that's government confiscation. I ran into this a couple of years ago with a VHE-20ga I bought on Gun Broker a couple of years ago from a dealer in Maine. Six months after I had the gun in hand the local police showed up at my door with a court order from Maine to take the gun because it was reported as stolen in Maine. It's a long story but the short version is; I lost the gun & the money I paid for it. My eastern policy wouldn't cover it due to the clause for government confiscation. It still hurts every time I think about it.

Well that's an odd one for sure Paul. If it makes you feel any better and it will not you would most likely have that same exclusion in any policy with any carrier, not just Eastern and there will not be a buy back provision on that one. Theft has been mentioned a couple of times here. Along that line Eastern does have an exclusion pertaining to "unattended vehicles" as do most carriers. Theft from an unlocked vehicle with no signs of forced entry, no coverage ! Keep those vehicles locked fellas.
I stated earlier that I was not picking on Travelers, same for Eastern. Both are good products and they all have their quirks. Just pointing a few things out.

[mobirdhunter]

Originally Posted by Randy G Roberts

Well that's an odd one for sure Paul. If it makes you feel any better and it will not you would most likely have that same exclusion in any policy with any carrier, not just Eastern and there will not be a buy back provision on that one. Theft has been mentioned a couple of times here. Along that line Eastern does have an exclusion pertaining to "unattended vehicles" as do most carriers. Theft from an unlocked vehicle with no signs of forced entry, no coverage ! Keep those vehicles locked fellas.
I stated earlier that I was not picking on Travelers, same for Eastern. Both are good products and they all have their quirks. Just pointing a few things out.

So, Randy, is a locked vehicle considered "attended?"

[Randy Roberts]

Originally Posted by Garry L Gordon

So, Randy, is a locked vehicle considered "attended?"

Garry generally speaking that would be correct for most carriers. I'm going to refrain from saying all carriers as there's always the odd ball.

[Randy Roberts]

Originally Posted by Garry L Gordon

So, Randy, is a locked vehicle considered "attended?"

Garry the attached is what I would refer to as a typical example of this language.

[mobirdhunter]

Originally Posted by Randy G Roberts

Garry the attached is what I would refer to as a typical example of this language.

Thank you!

[GH-16]

I'm not picking on Eastern either, I'm very comfortable with their policy & think they offer some of the best coverage for collectors out there. I really like the coverage for shipping guns & while on hunting trips both domestic & internationally. You made a good point; always keep them locked up!!!!!

I just wanted to make the point that having insurance doesn't mean your covered for all possible situations. Be sure to know what your policy actually covers.

[Ruff Hunter]

Interesting thread.
Anyone care to throw out the annual cost of the Eastern insurance per, say, $100,000 of coverage?

[Bindlestiff]

~$350