Posted on 03/08/2022 5:12:13 AM PST by Gay State Conservative
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I assume if they know it they'll raise my premium for certain types of coverage...and might even cancel me.It also occurred to me that if I don't inform them they'll refuse to pay any claims that are connected to it.
Anyone have any practical knowledge...or experience...on this general subject?
I would get carry insurance regardless of any umbrella policy. I use US Law Shield. Great coverage.
What he said. You want to reluctant to show or use a firearm in self-defense. Doing so will change your life, and not for the better.
Most Umbrella policies do not cover "intentional acts," and the use of your firearm in self defense is an intentional act.
That's where companies like USCCA come in.
Should make any difference to your standard homeowners/liability insurance, unless you want to insure the gun itself as property, in which case you might have to itemize it. That’s where extra rates may apply..
What you should consider is a separate carry policy like US lawshield in case you ever have to defend yourself. About $11 dollars a month to not have to worry about legal defense costs or being sued out of your house and home.
I meant “shouldn’t make....”
They may reimburse if your gun is stolen, but as many have said, you should get coverage through companies who operate in that field, like US Shield and USCCA. I actually, have both.
<< U.S. LawShield….about $11 dollars a month >>
Fair rate, good advice.
I have USCCA coverage. In the case of a self defense act, you want to be able to afford a legal defense. It will be expensive. Further, I have asked a lawyer if I could call him if I get in a jam.
As USCCA recommends, remain silent until you consult a lawyer even if the evidence justifying self defense is overwhelming. Ironically, Trayvon Martin set the standard for the use of deadly force against an unarmed by nearly beating Zimmerman to death.
WHen your guns get moved into a trust with its own EIN, it is like a property trust for an estate/beneficiaries. WHen someone asks you "Do you own any guns?", you can truthfully say "NO".
Talk to your attorney, it works in the free states...don't know about those of you behind enemy lines in MA, IL, NJ, CA, HI, etc.
Question. Do the carry insurance companies just cover lawyers expense for criminal charges or will they cover civil liability trials as well? These days the process is the punishment and even people involved in clear cut cases of self defense often face large civil suits.
This company covers civil liability in addition to criminal, I cannot say about others.
What you want is likely not available via umbrella, but your agent is the best one to ask.
Follow others’ advice on 3rd party options specific to firearms ownership support is you seek to plug that liability gap.
Post 2.... good advice
I live in MA. My insurance company has never asked.
I agree with the others to carry insurance like U. S. Law Shield. Like USCCA, both have continuing classes to help you stay current on firearm laws in your state. I have U. S. Law Shield for both myself and my wife. Never leave home without.
The insurer’s agent should have asked you a long series of detailed questions before quoting you coverage. If in those questions they asked you about owning a firearm, and if you told them you did not, then buying a gun will invalidate your response and you have the responsibility to inform them. But it is not your responsibility to make sure the insurer has done their due diligence, so if they didn’t ask, hell no, I wouldn’t tell them.
But the new $1.5 trillion Federal spending bill just passed imposes NEW GUN CONTROL on the United States, including deputizing state and local police to punish those 99 percent who are innocent, but fail the NICS check for gun buying, because of poor Federal recordkeeping. Details and informative video here: https://www.zerohedge.com/political/guilty-until-proven-innocent-biden-signs-new-backdoor-gun-control-law
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