The Firing Line Forums

Go Back   The Firing Line Forums > The Conference Center > General Discussion Forum

Reply
 
Thread Tools
Old October 23, 2013, 05:57 PM   #1
glassguy
Member
 
Join Date: August 11, 2009
Location: Living on the edge of Florida
Posts: 67
Insurance questions

I recently applied for new homeowners insurance. One of the questions they asked was whether I has any fully automatic weapons, rapid fire weapons or assault style weapons. The stupidest question though was whether or not I had tile floors and if so do I have any extra tiles, where they are stored and why I have the extra tiles. These interrogations become more intrusive and nonsensical every time I turn around. I'm just curious as to others experiences.
glassguy is offline  
Old October 23, 2013, 06:36 PM   #2
PeteApps
Member
 
Join Date: September 6, 2013
Location: Meridian, ID
Posts: 36
We recently moved and had to get new insurance. No questions about guns or tile.
__________________
Ready, Fire, Aim! D'Oh!!!
PeteApps is offline  
Old October 23, 2013, 06:43 PM   #3
sigcurious
Senior Member
 
Join Date: May 25, 2011
Posts: 1,755
Mine only asked which tier of coverage for firearms I wanted. My agent also noted, if the value of the firearms exceeded the amount covered in the standard plan, she could write a rider to cover the full value.
sigcurious is offline  
Old October 23, 2013, 07:31 PM   #4
BillM
Senior Member
 
Join Date: January 20, 2009
Location: Amity Oregon
Posts: 341
Wow. Apply for insurance somewhere else.

My homeowners policy covers firearms up to a certain point, and I
purchased a rider to cover the specific guns I use in competition.
BillM is offline  
Old October 23, 2013, 08:26 PM   #5
Spats McGee
Staff
 
Join Date: July 28, 2010
Location: Arkansas
Posts: 5,043
They're afraid that you have assault tiles. We must ban assault tiles. It's for the children.

(Seriously, though, I have no clue why they'd ask that. )
__________________
A gunfight is not the time to learn new skills.

If you ever have a real need for more than a couple of magazines, your problem is not a shortage of magazines. It's a shortage of people on your side of the argument. -- Art Eatman
Spats McGee is offline  
Old October 23, 2013, 08:39 PM   #6
Mike38
Senior Member
 
Join Date: December 28, 2009
Location: North Central Illinois
Posts: 1,160
Just a wild guess about the tiles….. Old floor tiles contain asbestos, and that could be a concern.

But I’m with others, find a new insurance agent.
Mike38 is offline  
Old October 23, 2013, 10:34 PM   #7
Aguila Blanca
Senior Member
 
Join Date: September 25, 2008
Location: CONUS
Posts: 6,319
Quote:
Originally Posted by Mike38
Just a wild guess about the tiles….. Old floor tiles contain asbestos, and that could be a concern.
You're probably right. The funny thing is, I would never even think to consider the stuff with asbestos in it as "floor tiles." To me, "tile" means something made out of clay and fired in an oven. The rubber stuff (that may or may not have asbestos fibres in it) is "resilient flooring."

Yeah, that's my line of work (design and construction, not laying flooring). That's not a smarty-pants work-around, that's a professional perspective.
Aguila Blanca is offline  
Old October 24, 2013, 12:21 AM   #8
DaleA
Senior Member
 
Join Date: September 12, 2002
Location: Twin Cities, MN
Posts: 1,533
Quote:
"tile" means something made out of clay and fired in an oven.
That's what I would have thought too but the asbestos thing makes more sense...I guess...why didn't they just ask about asbestos in the first place? I'm pretty sure there are floor tiles that do not contain asbestos.

Just curious, what company was it? The 'assault style' question would send me to another company.
DaleA is offline  
Old October 24, 2013, 06:05 AM   #9
ranchito457
Senior Member
 
Join Date: April 2, 2013
Location: Manhattan,Illinois
Posts: 115
My wife recently changed over homeowners policy from one company to another and she asked the agent about coverage for my firearms.She was told for me to be 100 percent covered they wanted a list with every make model and serial number that I own.Needless to say they are still waiting for that list.I dont really feel comfortable with "regeristing" my firearms with an insurance company of all peaple.Think I'm gonna look into insuring them with a company that specifically deals with this sort of product..
ranchito457 is offline  
Old October 24, 2013, 06:22 AM   #10
Mike Irwin
Staff
 
Join Date: April 13, 2000
Location: Northern Virginia
Posts: 35,891
Look at another insurance provider.

What company was this?

If you were in the North East I'd say go with Erie Insurance, but I don't think that they write in Florida.

I've heard very good things about Electric Insurance, a number of my friends have it.

I also simply do NOT understand the question about floor tile. In a floor tile, asbestos is encapsulated. The ONLY way it's going to be released is if you start grinding or sanding on it.

Non-friable asbestos --tiles, shingles, cement board -- can now be disposed of in your regular trash stream. It no longer needs to go to an asbestos handling facility.
__________________
"The gift which I am sending you is called a dog, and is in fact the most precious and valuable possession of mankind" -Theodorus Gaza

Baby Jesus cries when the fat redneck doesn't have military-grade firepower.
Mike Irwin is offline  
Old October 24, 2013, 06:07 PM   #11
johnwilliamson062
Senior Member
 
Join Date: May 16, 2008
Posts: 6,788
Almost every company has one or two weird questions.
If you go to an independent agent that represents 5 companies and is going to price you in all of them they are going to end up with a half dozen or so odd questions.

If I were looking for insurance and I had a large value of guns I would look at Liberty Mutual. The ISO forms have a LOW limit on firearms, but most companies make modifications and have tiers.

Any time you are going to insure any sort of valuable collection the agent will want info. During my short time as an agent I collected info on musical instrument collections, coin collections, antique collections, etc. It is a pain in the butt and if the things are scheduled it usually takes more time than the commission is worth, but if you don't want to do it then don't come back and complain when the insurance company is hassling you about your theft claim where all your undocumented under-insured guns were stolen.
__________________
$0 of an NRA membership goes to legislative action or court battles. Not a dime. Only money contributed to the NRA-ILA or NRA-PVF. You could just donate to the Second Amendment Foundation
First Shotgun Thread First Rifle Thread First Pistol Thread
johnwilliamson062 is offline  
Old October 24, 2013, 09:23 PM   #12
Guilty
Member
 
Join Date: November 9, 2012
Posts: 26
I have Safeco homeowners insurance and recently investigated into other insurance carriers, all of them had a low level of insurance for firearms, something like $2500-$5000 coverage for firearms without a rider, except for Safeco, so I stayed with my current homeowners insurance.

Safeco insures firearms just like anything else in the house, they will pay whatever the limit on your full personal property insurance policy is, after the deductable of course, and I don't have to provide model or serial number information. I do keep records myself for all valuables in the event that I have to file a claim. Safeco is the only insurance company that I found that does this.
Guilty is offline  
Old October 25, 2013, 04:31 AM   #13
glassguy
Member
 
Join Date: August 11, 2009
Location: Living on the edge of Florida
Posts: 67
For what it is worth, United Property Casualty Co. is the insurer. I really don't have that much to be worried about coverage wise, my concern is with prying questions from all sides these days. Even doctors will ask if there are guns in the house. We are really becoming a nation of prying, hand wringing weenies.
glassguy is offline  
Old October 25, 2013, 11:19 AM   #14
Kleab
Member
 
Join Date: April 4, 2013
Posts: 75
Quote:
If you were in the North East I'd say go with Erie Insurance, but I don't think that they write in Florida.
+1

I worked with insurance companies in my last job and Erie was without a doubt one of the easiest to work with. They didn't put their "insured" through garbage and always paid out on their claims. They were always a pleasure to work with. I wish they would expand beyond the Northeast.
__________________
"We believe that all men are justified in defending themselves, their friends, and property, and the government, from the unlawful assaults and encroachments of all persons in times of exigency, where immediate appeal cannot be made to the laws, and relief afforded."
~Doctrine and Covenants 134:11
Kleab is offline  
Old October 25, 2013, 12:43 PM   #15
spacemanspiff
Senior Member
 
Join Date: January 16, 2002
Location: alaska
Posts: 3,171
OP, what is the insurance company that asked for that information?

I work for a commercial insurance office, although we do very little homeowners policies, usually its for one of the Lloyds companies when we do it. The only time I have ever seen an application ask about firearms its been for liquor liability coverage to determine if the potential insured keeps guns on premises of a bar/liquor store.

My renters policy covers firearms, all they wanted was a ballpark estimate of what they are worth.
__________________
"Every man alone is sincere; at the entrance of a second person hypocrisy begins." - Ralph Waldo Emerson
"People demand freedom of speech as a compensation for the freedom of thought which they seldom use." - Soren Kierkegaard
spacemanspiff is offline  
Old October 25, 2013, 02:48 PM   #16
born2climb
Senior Member
 
Join Date: January 17, 2013
Posts: 140
I have a friend whose wife took the kids to the doctor once and was asked about firearms and storage thereof. He told her never to return to that doctor.

I have never been asked about firearms or the like. I hope to remain at least somewhat civil in my retort that it's NONE OF THEIR BUSINESS, if and when I ever am asked such garbage.
born2climb is offline  
Old October 25, 2013, 03:43 PM   #17
osbornk
Senior Member
 
Join Date: August 11, 2012
Location: Marion, Va
Posts: 213
Quote:
I worked with insurance companies in my last job and Erie was without a doubt one of the easiest to work with. They didn't put their "insured" through garbage and always paid out on their claims. They were always a pleasure to work with. I wish they would expand beyond the Northeast.
I have Erie in Southwestern Virginia and have been very happy with them. They treated my 85 year old aunt great after her car and house were hit by a tornado. I was an insurance adjuster for 31+ years and one reason I retired early was the way my employer changed toward how they treated the policyholders.

I don't know how much more Erie will expand. Since I used to work cat. claims after tornados, hurricanes, etc., I asked them how they handled claims when a natural disaster did a lot of damage to their policyholders. They said they kept their rates low by being careful with who they insure and that they didn't insure properties in areas that are disaster prone.
osbornk is offline  
Old October 26, 2013, 03:17 PM   #18
hbhobby
Member
 
Join Date: January 14, 2013
Location: Payson Az
Posts: 89
One reason they would possibly ask about tile and extras is that tile is much like anything else. Lots are not exactlythe same so if you have floor damage to your tile floor if you have extra tile this means the difference in replacing only damaged tiles vs the whole area. My mom got a whole new kitchen floor when i dropped an ammo box of wheel weights on her ceramic tile floor destroying a few tiles. They could not find a tile colesenough to not look like total garbage
hbhobby is offline  
Old October 28, 2013, 07:18 PM   #19
johnwilliamson062
Senior Member
 
Join Date: May 16, 2008
Posts: 6,788
Liberty Mutual is now branded Safeco in my area.
One of the last things I did in insurance was try to convince the owner of the agency I was working at that marketing the no limit handling of firearms at hunting clubs, trap shoots, etc would be productive. He thought gun owners would be a bad risk.
__________________
$0 of an NRA membership goes to legislative action or court battles. Not a dime. Only money contributed to the NRA-ILA or NRA-PVF. You could just donate to the Second Amendment Foundation
First Shotgun Thread First Rifle Thread First Pistol Thread
johnwilliamson062 is offline  
Old October 28, 2013, 07:50 PM   #20
Aguila Blanca
Senior Member
 
Join Date: September 25, 2008
Location: CONUS
Posts: 6,319
Quote:
Originally Posted by Ranchito457
Think I'm gonna look into insuring them with a company that specifically deals with this sort of product..
www.collectinsure.com
Aguila Blanca is offline  
Old November 4, 2013, 06:20 PM   #21
Garycw
Senior Member
 
Join Date: May 27, 2011
Location: Ohio-Kentucky - florida
Posts: 1,169
Insurance questions

Quote:
Originally Posted by BillM View Post
Wow. Apply for insurance somewhere else.

My homeowners policy covers firearms up to a certain point, .
Mine also covers firearms and didn't ask for it, with no questions asked.
Garycw is offline  
Old November 4, 2013, 10:34 PM   #22
Cowboy_mo
Senior Member
 
Join Date: June 23, 2010
Location: Missouri
Posts: 898
I had my own insurance agency in the 90's. Every company that I ever knew of had specific limits for firearms, jewelry, antiques, musical instruments, etc.

Firearms had specific limits allowed for theft unless they were scheduled on a rider for an additional premium. However, firearms were covered up to total policy limits for loss due to fire, tornado, etc.

The reason behind this is to prevent dishonest insureds from suddenly having thousands of dollars of undocumented firearms, jewelry, antiques, etc claimed after being lost to a burgler.

As far as Dr.s' asking about firearms in the house, you can thank the current resident of the White House, Bloomberg, et. al.
Cowboy_mo is offline  
Old November 4, 2013, 10:49 PM   #23
JERRYS.
Senior Member
 
Join Date: September 23, 2013
Location: Alabama
Posts: 506
unlike health insurance, you can shop around for all other insurances no matter what state you are in or they. if you don't like all the intrusive questions, look elsewhere.
JERRYS. is offline  
Old November 4, 2013, 11:08 PM   #24
Sierra280
Junior member
 
Join Date: July 29, 2013
Location: Gardnerville, NV
Posts: 569
I just figure the agents have to go down their company mandated checklist. Many years ago I was getting new insurance, the agent asked if I had a dog. I replied 'yes, a Bassett Hound'. His next question: 'does it have aggressive or pit bull like tendencies?' I asked if he had ever seen a Bassett hound, he said he was just required to ask.
Sierra280 is offline  
Old November 4, 2013, 11:51 PM   #25
danez71
Senior Member
 
Join Date: June 2, 2009
Posts: 426
The tile question... Ive been told by by 2 different insurance people ... is because you, or someone else, are more likely to slip and fall.


I suspect, asking you if you have spare tile and, if Yes, Why? might be probing for cracked foundation. Purely a guess on this part of the question.
danez71 is offline  
Reply

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump


All times are GMT -5. The time now is 08:11 AM.


Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2014, vBulletin Solutions, Inc.
This site and contents, including all posts, Copyright © 1998-2014 S.W.A.T. Magazine
Copyright Complaints: Please direct DMCA Takedown Notices to the registered agent: thefiringline.com
Contact Us
Page generated in 0.13257 seconds with 9 queries