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Thread: Denied renters insurance

  1. #1
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    So I am moving into an apt. and they require $100,000 in liability renters insurance, so I call GEICO. To make a long story short I wanted to up the $2000 VA standard insurance for my firearms one of which is and AR-15. The company that GEICO uses for renters ins. wanted to know if it had a pistol grip, over sized mags, sawed off and if the ammo would be stored separate from the rifle. I confirmed the pistol grip, said the mags were not over sized (they fit just fine!) and that it was not sawed off. The agent that was assisting me was named Brenda said that they couldn't insure me because of the "assault rifle". Even when I told her I would store it elsewhere she said that because I told her about it it was in the system so sorry. So if you go to get renters ins. leave out the fact that you are exercising your 2nd amendment rights.

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    Regular Member SouthernBoy's Avatar
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    jayarmbar wrote:
    So I am moving into an apt. and they require $100,000 in liability renters insurance, so I call GEICO. To make a long story short I wanted to up the $2000 VA standard insurance for my firearms one of which is and AR-15. The company that GEICO uses for renters ins. wanted to know if it had a pistol grip, over sized mags, sawed off and if the ammo would be stored separate from the rifle. I confirmed the pistol grip, said the mags were not over sized (they fit just fine!) and that it was not sawed off. The agent that was assisting me was named Brenda said that they couldn't insure me because of the "assault rifle". Even when I told her I would store it elsewhere she said that because I told her about it it was in the system so sorry. So if you go to get renters ins. leave out the fact that you are exercising your 2nd amendment rights.

    You should have told her it's not an "assault rifle" (which it most certainly isn't).

    Consider filing a discrimination suit as it sounds to me that they are in violation of your civil rights (real ones).





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    There was an incident between a pro-gun and State Farm in SC.

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    I had a similar issue with Travellers. Unless you keep all of your firearms and ammo locked up in seperate areas at all times (no wiggle room for keeping a gun for self defense), preferably in a safe they wouldn't write a policy. I will never do business with them again.

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    Regular Member SouthernBoy's Avatar
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    Doug Huffman wrote:
    There was an incident between a pro-gun and State Farm in SC.
    Do you happen to know any of the details about this? State Farm writes my homeowner's and car policies.


    In the final seconds of your life, just before your killer is about to dispatch you to that great eternal darkness, what would you rather have in your hand? A cell phone or a gun?

    Si vis pacem, para bellum.

    America First!

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    Just say they are hunting rifles next time, because people do hunt with them

    i mean i dunno what a pistol grip is, only pistols have pistol grips as far as i am concerned

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    Try the newsletter archives at scfirearms.org. They're individual PDFs and so must be searched individually.

    A homeowner had a private pistol target range on his property and SF declined. I don't recall the resolution.

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    I have renters insurance with Allstate specifically for my guns and they didn't care what my guns were unless they were worth more than either $1,000 or $2,000 each. (I don't recall whether it was $1K or $2K, but either way, all of my guns are under that value individually, so I didn't have to even tell her what kind of guns they were.)

    Good luck.



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    Regular Member BUBB4H's Avatar
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    I highly suggest if any are veterans to go with USAA. Not only are they cheap and easy to work with, you can now join if you have ever served, not just active duty. They rock.

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    It doesn't hurt to have a hunting license to go with those firearms.

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    Just for the record, Travelers and Geico are one and the same for Renters and Homeowners. Geico doesn't write any of that themselves. They just farm out their business to Travlers.

    Of note, I have renters with them and don't recall being asked much about firearms -- maybe the "do you store ammo separate" question, but that's about it.

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    There are NO issues with State Farm in Virginia and firearms.

    PM me and we can discuss renters insurance for you.



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    BUBB4H wrote:
    I highly suggest if any are veterans to go with USAA. Not only are they cheap and easy to work with, you can now join if you have ever served, not just active duty. They rock.
    USAA is also one of the few out there who annually pay premium dividends if the company has a good year.

    I'm not a veteran, but was on a USAA policy under my dad, and they migrated me to a non-service policy when I turned 18. My wife is on that policy now. Our children will be on that policy and they should be eligible.

    I got a chip on my shoulder when I was 19 or 20 and shopped around. Nobody could even come close to the rates and service of USAA. NOBODY.
    The quiet war has begun, with silent weapons
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    Ok well I guess travellers had a change of heart overnight!! I called them this morning to cancel my car ins. and explained what had transpired. The agent put me on with a supervisor and had me taken care of in about 10 mins. To make matters better the year is under $200. for 30k personal property and $100k liability.

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    Also, while we are on the topic on insurance, those of you who have more than a couple of guns should think about a Personal Articles Policy specifically to insure your guns. The problem with Homeowners and Renters policies is two-fold. First, they generally have limits of about $2500 for theft of firearms. Second, personal property coverage is on a "named peril" basis, which only gives you coverage for specific types of losses (fire, theft, wind/hail, etc.)

    A Personal Articles Policy is better for guns because you can set the limits at whatever you want based on the value of the firearms and accessories (which can add up). Coverage is cheap. And, such policies are "all-risk," meaning that virtually anything can happen to the gun and you're covered (even if you drop it in a lake). Also, you can tack other items of specific value onto the policy (i.e. wife's engagement ring) if you want better coverage for it (in case she drops her ring in the lake ).

    Anyhow, just something for y'all to think about. I have my policy with State Farm; hopefully I won't ever need it.

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    ore, thanks for the insight - i need to get coverage and that sounds good

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    Founder's Club Member - Moderator ed's Avatar
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    BUBB4H wrote:
    I highly suggest if any are veterans to go with USAA. Not only are they cheap and easy to work with, you can now join if you have ever served, not just active duty. They rock.
    I love USAA.. but I did fire them off a nasty e-mail because a friend of mine.. now 70+ years old served in the Korean War in the early 50's.. but only served 4 years (so he did not retire) and he can't join USAA! Ugh!

    Ed
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    Ore wrote:
    Also, while we are on the topic on insurance, those of you who have more than a couple of guns should think about a Personal Articles Policy specifically to insure your guns. The problem with Homeowners and Renters policies is two-fold. First, they generally have limits of about $2500 for theft of firearms. Second, personal property coverage is on a "named peril" basis, which only gives you coverage for specific types of losses (fire, theft, wind/hail, etc.)

    A Personal Articles Policy is better for guns because you can set the limits at whatever you want based on the value of the firearms and accessories (which can add up). Coverage is cheap. And, such policies are "all-risk," meaning that virtually anything can happen to the gun and you're covered (even if you drop it in a lake). Also, you can tack other items of specific value onto the policy (i.e. wife's engagement ring) if you want better coverage for it (in case she drops her ring in the lake ).

    Anyhow, just something for y'all to think about. I have my policy with State Farm; hopefully I won't ever need it.
    Do they cover firearms lost in a tragic boating accident?

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    ed wrote:
    I love USAA... but I did fire them off a nasty e-mail because a friend of mine... now 70+ years old served in the Korean War in the early 50's... but only served 4 years (so he did not retire) and he can't join USAA! Ugh!
    All active duty, retired and honorably discharged are eligible. My father didn't retire. He was in the Cadet Corps at Virginia Tech, joined up with the Armored Engineers and served about six months in Vietnam before being shot all to hell and sent home. He probably spent less than a year as "active" duty.

    It doesn't matter if he served 30 years or 30 days. If he's a veteran, he's eligible. All he needs to do is verify his service record.
    The quiet war has begun, with silent weapons
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    Novos ordo seclorum ~ Mustaine

    Never argue with an idiot. He will drag you down to his level and beat you with experience.

  20. #20
    Founder's Club Member Tess's Avatar
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    wylde007 wrote:
    All active duty, retired and honorably discharged are eligible. My father didn't retire. He was in the Cadet Corps at Virginia Tech, joined up with the Armored Engineers and served about six months in Vietnam before being shot all to hell and sent home. He probably spent less than a year as "active" duty.

    It doesn't matter if he served 30 years or 30 days. If he's a veteran, he's eligible. All he needs to do is verify his service record.
    That's a relatively new change, so perhaps Ed's friend should try again.

    When my daughter started driving, USAA quoted me less for a policy that included her than State Farm did for a policy that didn't. And their service is second to none, IMHO.
    Laws alone can not secure freedom of expression; in order that every man present his views without penalty there must be spirit of tolerance in the entire population. -Albert Einstein

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    Anyone uses the Arms Care Plus from NRA? They give $1000 coverage free to all current members and then you can expand coverage for an additional fee. Also, you don't even need to list your firearms except for those that cost over$2500 each. They seem reasonably priced too, 50 dollars a year is their minimum premium which would cover $3000 worth of guns plus $1000 you get for free.

  22. #22
    Regular Member BUBB4H's Avatar
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    ed wrote:
    BUBB4H wrote:
    I highly suggest if any are veterans to go with USAA. Not only are they cheap and easy to work with, you can now join if you have ever served, not just active duty. They rock.
    I love USAA.. but I did fire them off a nasty e-mail because a friend of mine.. now 70+ years old served in the Korean War in the early 50's.. but only served 4 years (so he did not retire) and he can't join USAA! Ugh!

    Ed
    They changed their policy now, so he can join.

  23. #23
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    Only tangentially related, but I figure someone on here might benefit from it: since we're discussing insurance, if you're looking for a motorcycle policy, the bare bones policy I have from progressive was literally over $400 less per year than Allstate who I have my truck, boat and renter's insurance with (and my account was listed under my parents who have 4 cars with them and their house...)

    I shopped around, but in the end progressive (for motorcycles) beat the living poop out of everyone else's rates. I have heard that they can be a pain to work with, but I just have a liability policy on a motorcycle, so the chances of me having to actually deal with anyone other than to re-up are slim to none. I have a clean driving record and keep the bike in the garage, but I still can't imagine their quote going up $400 if I had a ticket and parked it in the driveway...


  24. #24
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    Tess wrote:
    That's a relatively new change, so perhaps Ed's friend should try again.
    I don't think it's "new". My dad has been on USAA for over 35 years and my own policy is about 15 years.

    The only thing I remember seeing that was "new" when I was reading USAA Magazine was that they expanded their membership to included enlisted ranks. It used to be open to commissioned officers only.

    That change has been only in the past few years IIRC.

    Perhaps that's the rub?
    The quiet war has begun, with silent weapons
    And the newest slavery is to keep the people poor, and stupid
    Novos ordo seclorum ~ Mustaine

    Never argue with an idiot. He will drag you down to his level and beat you with experience.

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    wylde007 wrote:
    Tess wrote:
    That's a relatively new change, so perhaps Ed's friend should try again.
    I don't think it's "new". My dad has been on USAA for over 35 years and my own policy is about 15 years.

    The only thing I remember seeing that was "new" when I was reading USAA Magazine was that they expanded their membership to included enlisted ranks. It used to be open to commissioned officers only.

    That change has been only in the past few years IIRC.

    Perhaps that's the rub?
    We've had USAA since 2003. My wife & I were both enlisted. No officers here. We've had nothing but great service from them. They have helped us as much as they could each time we've had to call to them over the years.

    Excellent service and assistance every time. Imagine if government, tech support, and other similar businesses were run the same way.

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