Tailored insurance for
California Waterfowl members

Protect yourself and your guns with Firearm Insurance, Personal Firearm Liability Insurance and Club Insurance.

Lockton Affinity Outdoor administers the insurance needed to protect California Waterfowl members and their firearms.

By having more than 20 years of experience and insuring more than $300,000,000 worth of firearm property, Lockton Affinity Outdoor understands the risks gun owners face in ways others do not.

Learn more about our products below to find the right coverage for you.

  • Firearm Insurance
  • Personal Firearm Liability Insurance
  • Club Insurance

Firearm Insurance

Starting as low as $50 per year*

If you keep your guns at home or carry them with you, there is always a risk of theft, damage or loss. And because most homeowners, renters and auto insurance policies limit coverage for firearms, there is a need for additional protection.

With Lockton Affinity Outdoor’s Firearm Insurance, you can receive coverage for the fair market value of your guns and attached accessories should they be damaged, lost, stolen or ruined in a fire or flood.

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*Before taxes and fees

Coverage benefits

Broad Coverage

Fair market value coverage for scheduled and unscheduled firearms including antique and collectible firearms

Fair market value coverage for firearm accessories such as scopes, rings, mounts, slings and sling swivels

Easy transactions

Low $250 deductible per claim

Annual coverage beginning as low as $50 depending on the value of your guns

No requirement to file a claim on your homeowner’s policy first

Additional coverage included automatically

Coverage for newly acquired property for 180 days

International coverage up to $10,000 for 60 days

Flood and earthquake coverage up to $30,000

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Personal Firearm Liability Insurance

Starting as low as $75 per year*

As a smart, lawful gun owner, you make gun safety a priority at the range, in the field and in storage. Despite the actions you take to be safe and responsible, there are risks associated with gun ownership.

With Lockton Affinity Outdoor’s Personal Firearm Liability Insurance, you receive coverage to help protect against the costs associated with hunting and shooting accidents, accidental discharge, lost or stolen firearms and lawful personal defense

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*Before taxes and fees

Coverage details

Hunting and shooting accident liability

Should an incident occur while you are hunting or participating in shooting sports, Personal Firearm Liability Insurance protects against the costs associated with a claim.

Accidental discharge coverage

Accidental discharge can occur when the firearm suffers from mechanical malfunction, when the firearm is dropped, when the firearm is cleaned and more. With Personal Firearm Liability Insurance, lawful gun owners are protected against the costs associated with an accidental discharge claim.

Lost or stolen firearm liability

If your legally possessed firearm is lost or stolen and an incident occurs, Personal Firearm Liability Insurance will protect against the costs associated with claims.

Lawful personal defense

Should you ever need to lawfully use a legally possessed firearm to defend yourself with reasonable use of force, Personal Firearm Liability Insurance will protect against the costs associated with a claim—on a reimbursement basis— once all charges are dropped, or you are acquitted of all charges, up to applicable policy limits.

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Club Insurance

From land lease and day hunts to lodging and shooting ranges, there are always risks involved with operating a hunt or gun club.

With Lockton Affinity Outdoor’s Club Insurance, you receive coverage to help protect against the costs associated with property damage, third-party injuries and more. See what this coverage will look like for your club by requesting a personalized price indication. It takes less than five minutes to complete.

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image of a body of water at sunrise

About Lockton Affinity

Lockton Affinity has been providing best-in-class insurance for outdoor enthusiasts like you for more than 20 years. Through this experience, our dedicated team understands the risks you face whether the great outdoors is your hobby, your livelihood or both. When you partner with Lockton Affinity, you can expect more than insurance.


Whether you are an outdoor-related business owner, a firearms instructor, a club member or an all-around outdoor enthusiast, Lockton Affinity has the insurance solutions to protect and support you should you ever face a claim.


From your annual policy renewal to claim settlement, we strive to make all communication as efficient as possible, so you can get back outside.


We’re committed to customer service. We have an exclusive team to support you from your initial application to your annual renewal.

Contact us

If you have any questions about obtaining or servicing your
insurance, please give us a call or complete this form.

(888) 843-3340
Phones are answered Monday – Friday, 7 AM to 5:30 PM (CST).