Gun Insurance

[Bindlestiff]

It was $50,000 when I bought mine

[Phil Yearout]

I have the Eastern blanket coverage plan which covers up to $45K; costs me $150.00 per year. I just spoke with Laura at Eastern; once you pay for a gun and the seller has accepted your payment the gun is covered so no need to add insurance coverage during shipment. If the purchase puts you over your blanket amount you need to call her and increase your coverage. If the gun is over $10k you do need to have it scheduled.

[Randy Roberts]

Originally Posted by Phil Yearout

I have the Eastern blanket coverage plan which covers up to $45K; costs me $150.00 per year. I just spoke with Laura at Eastern; once you pay for a gun and the seller has accepted your payment the gun is covered so no need to add insurance coverage during shipment. If the purchase puts you over your blanket amount you need to call her and increase your coverage. If the gun is over $10k you do need to have it scheduled.

Some folks do insure up to their deductible amount through the carrier. Not a big deal but if you have a $1,000 or $2,500 deductible you may want to consider it.

[Phil Yearout]

Originally Posted by Randy G Roberts

Some folks do insure up to their deductible amount through the carrier. Not a big deal but if you have a $1,000 or $2,500 deductible you may want to consider it.

Good point. Mine's only $100 so I probably wouldn't. Here's another dumb question: I've never returned a gun I've bought, but if you do, does it have to go to an FFL or can it go straight back to the sender?

[Randy Roberts]

Originally Posted by Phil Yearout

Good point. Mine's only $100 so I probably wouldn't. Here's another dumb question: I've never returned a gun I've bought, but if you do, does it have to go to an FFL or can it go straight back to the sender?

Unless this has changed without my knowledge of it the rule was always that a nonlicensee could mail a rifle or shotgun to a resident of their State or to a licensee of any State.

[Opening Day]

Originally Posted by Phil Yearout

I have the Eastern blanket coverage plan which covers up to $45K; costs me $150.00 per year. I just spoke with Laura at Eastern; once you pay for a gun and the seller has accepted your payment the gun is covered so no need to add insurance coverage during shipment. If the purchase puts you over your blanket amount you need to call her and increase your coverage. If the gun is over $10k you do need to have it scheduled.

I just call Laura and the scheduled amounts very depending on your policy. If your policy is up to $249,999 it is $10,000 if it is over 250K and under 500K i's $25,000 per item, and if your policy is over $500K you only have to schedule a firearm if it's insure for over $50,000

[Pa SxS]

Eric, that's what I was told too for Eastern. I'm covered to 60K and my premium was $170. Piece of mind!

[Bill Murphy]

Randy, I don't think you answered Phil's question. He bought from a non-FFL. Can he return it without using an FFL? I think this is a question many of us would like to have answered.

[Randy Roberts]

Originally Posted by Bill Murphy

Randy, I don't think you answered Phil's question. He bought from a non-FFL. Can he return it without using an FFL? I think this is a question many of us would like to have answered.

According to the "ATF Federal Firearms Regulations Reference Guide" and I will quote "A nonlicensee may mail a shotgun or rifle to a resident of his or her own State or to a licensee in any State". There is some additional verbiage that
clarifies that a common or contract carrier (not the USPS) must be used for a handgun. Same rule that I quoted above applies to a handgun. There is nothing that I can see pertaining to a transfer of ownership. Based upon this if Phil does not have an FFL he can ship it in State or it must go to an FFL if out of State. So it would appear the ATF does not want nonlicensee's shipping firearms out of State, right ? Wrong, if you are going hunting it is perfectly legal to ship your guns out of State to the intended State where you will be hunting as long as you ship to yourself in the care of another. Fellas I could be wrong on this as the rules are lengthy and complicated but I cannot see anything other than what I have stated above. Phil you can always call the local ATF office and inquire.

[Dean Romig]

By "scheduled" I presume you mean fully described, including the serial number?





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