INSURANCE CAN BE CONFUSING.
OUR FAQ IS HERE TO HELP.

FREQUENTLY ASKED QUESTIONS

Lloyd’s of London is no longer writing gun-related insurance policies after more than 20 years of providing this type of coverage.

The new carrier for this coverage is Harco National Insurance Company. Harco provides admitted U.S. coverage that is approved by your state insurance department, which ensures you are protected through guaranty funds. Harco is rated “Excellent” by A.M. Best, an independent financial rating organization of the insurance industry.

We never share your information with any outside entities. Your state has approved the policy form and authorized us to sell this policy in your state, but your information is not shared with the state.

This coverage is a solid replacement of your previous policy, as it offers broad coverage at the same affordable rates and the following benefits:

    • Low $250 deductible per claim and no requirement to file a claim on your homeowner’s policy first
    • Fair market value coverage for scheduled and unscheduled firearms and firearms accessories including antique and collectible firearms (Firearms valued at more than $2500 must be scheduled using the form included in your renewal packet.)
    • 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

The previous policy used grandfathered rates that were substantially lower than the rates available in today’s market. Because the previous carrier, Lloyd’s of London, is no longer offering this coverage, we do not have access to the low, grandfathered rates. The new carrier is still offering coverage, but they cannot match the rates you paid previously.

Rates have not increased for standard firearm coverage.

Prior policies required you to file a claim with your homeowner’s policy before our policy would respond. You can now file a claim directly through Lockton Affinity Outdoor, which offers a few benefits:

    • Filing a claim on your firearms will no longer impact your homeowner’s insurance rates
    • Each claim has a low, $250 deductible
    • Lockton Affinity Outdoor representatives are experts in firearm valuation

You will need to schedule any firearms valued over $2,500. Please include any attached accessories, scopes or modifications in your valuation. Completing the form makes the claim process easier and ensures you receive the full fair market value, should a claim be filed. We do not require serial numbers.

Please pay your renewal to ensure your coverage remains in place. We will make the changes you requested and issue a refund or send you an invoice if necessary.

This policy is available to anyone.

Contact us

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

(844) 401-9444
Phones are answered Monday through Friday, 7 AM to 5:30 PM (CST).