Most trigger pulls produce a familiar report. But the risks of misfire, hang fire and squib round malfunctions remain. Here's how to handle them safely. About Misfires A misfire is one of the most common types of malfunctions involving the cartridge. Whether you are hunting or at the range, you take aim and squeeze the trigger, expecting the familiar report of a shot. Yet while [...]
If you have total loss of one of your guns, many types of insurance policy will reimburse you up to the item’s fair market value. In this case, the term “fair market value” actually has a pretty specific meaning that can be important for insurance policyholders to know. This blog answers key questions about this tricky term, including what fair market value means, how to [...]
Most gun owners worry about a number of “what ifs”. Here are eight hypothetical examples of when insurance can help. What If My Gun Is Damaged in a Fire? Fire is one of the top threats to all types of property. Wildfires are a risk that have been in the news a lot lately, but fires can have many causes, from faulty electrical wiring to [...]
Theft goes up this time of year, increasing your risk of a break-in. If your guns are stolen from your car or home, could you be held responsible for what is done with them? Here’s what to know and how to minimize your risks. About the Theft of Firearms Stolen firearms are a problem. On average, more than 200,000 firearms are stolen every year. It’s [...]
A piece of recreational land you can use for hunting and shooting sports is a dream of many. For some outdoor enthusiasts, that dream comes in the form of buying and owning your own parcel of land. For others, simply knowing someone who will allow you to use their land, either for free or for a small fee, is enough. Yet in any case, there [...]
Lack of good information has led to plenty of misconceptions about insurance, particularly in the firearm industry. To help clarify, here’s the truth behind five common myths about insurance. 1. “All insurance is basically the same.” One common misconception is that all insurance is basically the same. The thought is that “most types of insurance policies work the same way” or that “all policies of [...]
If you don’t regularly deal with insurance issues, the insurance terms you encounter when shopping for coverage can be a real stumbling block. Even for old pros, a fresh perspective on a familiar topic can help you better understand what really matters. Here’s a look at 10 common but confusing insurance terms explained in plain English to make your Lockton Affinity Outdoor insurance buying experience [...]
Another summer homebuying season is winding down, with many new homeowners purchasing insurance to protect their homes and property. But for those homeowners who are also gunowners, it’s important to know that a general homeowners insurance policy may not cover all your guns. Here’s what to know. What Is Homeowners Insurance? According to the Insurance Information Institute, homeowners insurance is designed to provide financial protection [...]
It’s hard to make an accurate prediction about the outcome when a liability claim first comes to your attention. Some incidents resolve simply, while others do not. However, for those that delay the reporting of a claim to their insurer, the outcome is almost always worse than it otherwise could have been with prompt reporting. The timing of a liability claim resulting from an alleged [...]
Outdoor activities are always more fun when enjoyed with others who share your passion, which is why many participate in gun sports and activities by joining a club or organization. Yet gun clubs face a variety of risks. There’s always the chance that someone gets hurt, property gets damaged or the club gets blamed for something going wrong. Here’s how the right insurance may be [...]
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The Lockton Affinity Outdoor Insurance program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers LLC in California #0795478. Coverage is subject to actual policy terms and conditions. Policy benefits are the sole responsibility of the issuing insurance company. Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates may not be subject to regulation by the insurance department of your state of residence. Excess/Surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency. Sponsors may receive a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to the extent permitted by applicable law. Not available in all states.
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