Gun owners who spend a lot of time outdoors have usually crossed plenty of fences. But it’s easy to get overconfident in your abilities. Crossing a fence or other obstacle the wrong way could lead to an accident — especially if you’re carrying a firearm. You could end up having a negligent discharge, damage someone’s property or cause an injury to yourself or others. Here's [...]
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 [...]
Safe firearm storage is an important part of being a responsible gun owner. Every year, a number of incidents occur due to improper storage. While these incidents are always unfortunate, many of them may be preventable. Whether you keep guns at home or have them with you on the go, here are tips to maximize safety and minimize the risk of an accident. Storing Firearms [...]
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 [...]
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 [...]
Most insurance policies are designed to renew every year. If you have questions your renewal, not to worry. Here’s what to know about renewing your insurance when you have Lockton Affinity Outdoor coverage. What Is an Insurance Renewal? An insurance renewal is a process that takes place at the end of your coverage’s policy period. Policy periods typically last a year, so this is an [...]
The insurance limits you choose are an important factor when purchasing insurance for your guns. The right limits help ensure your firearm property is protected as you intended against accidental damage, theft or loss. However, sometimes picking the right dollar amount is not as easy as it seems. Here's how to pick gun insurance limits that will meet your needs. Refresher on Insurance Limits To [...]
Firearm sights are sensitive instruments. A small adjustment here or there can make a big difference whether you hit the target. With inflation, small adjustments can also have a big impact. Some of the impacts of inflation can already be seen at the grocery checkout and the gas pump. However, inflation can also have an impact on your insurance. Even a small swing of a [...]
Insuring your guns with us? You’ll get more than dependable coverage and best-in-class service. Here’s what to expect when you buy Firearm Insurance from Lockton Affinity Outdoor. Why You Should Purchase Insurance for Your Guns As any fan of shooting sports can tell you, firearms and their accessories aren’t cheap. Whether you have one gun or many, their cost can quickly climb into the thousands [...]
It surprises many people to learn that gun insurance isn't just for firearm businesses or law enforcement professionals. In fact, almost anyone who handles firearms personally or professionally can buy gun insurance suited to their own unique needs. Even so, the particulars of any type of unusual or specialty insurance coverage is often confusing, and gun insurance is no exception. There are actually a number [...]
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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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