How to insure guns if your insurer refuses riders

Published on March 11, 2026
Duration: 0:34

This video addresses a common issue for firearm owners: homeowner's insurance policies that refuse to cover firearms, even with riders. The speaker, demonstrating practical knowledge of insurance types and speaking from personal experience, advises viewers to seek out different insurance companies that explicitly offer collectibles or fine arts riders for firearm collections. The core takeaway is to proactively find an insurer willing to cover your valuable assets rather than accepting a policy that excludes them.

Quick Summary

If your homeowner's insurance policy refuses to cover your firearms, even with a rider, the best course of action is to find a different insurance company. Look for insurers that specifically offer a 'collectibles rider' or 'fine arts rider' which can be tailored to cover your firearm collection.

Chapters

  1. 00:00The Problem: Insurance Refusal
  2. 00:05Solution: Find a New Insurer
  3. 00:19Personal Experience with Riders

Frequently Asked Questions

What should I do if my homeowner's insurance won't cover my firearms?

If your homeowner's insurance policy refuses to cover your firearms, even with a rider, the best course of action is to find a different insurance company. Look for insurers that specifically offer a 'collectibles rider' or 'fine arts rider' which can be tailored to cover your firearm collection.

Are there special insurance riders for firearms?

Yes, some insurance companies offer specialized riders for valuable items. These are often referred to as 'collectibles riders' or 'fine arts riders.' These riders can be added to your homeowner's policy to provide specific coverage for your firearm collection, which standard policies may exclude.

Can I insure my gun collection if my current insurer says no?

Absolutely. If your current insurer is unwilling to cover your gun collection, you should actively seek out other insurance providers. Many companies specialize in or offer riders for high-value items like firearms, ensuring your collection is adequately protected.

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