Owned and operated by hunters and collectors who know real value
Proudly protecting $800M+ in gun & trophy collections.
Dedicated coverage for firearms and trophies, valued for everything the hunt put into them. Rated A (Excellent) by AM Best, the insurance industry's rating authority since 1899.
The coverage gap
Your homeowner's policy isn't protecting your guns the way you think.
Most homeowner's policies lump every gun in with your cash, jewelry, and fine art, then cap theft for the whole lot. Worse, filing a gun claim can put your entire homeowner's policy at risk of non-renewal. A dedicated policy removes the cap, pays first, and keeps that claim off your homeowners entirely.
Today
Your collection.
A lifetime of finds. Worth far more than any policy sub-limit.
After a break-in
$5,000
All your homeowner's pays. For the whole collection.
A dedicated policy pays on a primary basis and keeps gun claims off your homeowner's policy entirely. That matters more than the rate: carriers routinely non‑renew over a single gun‑theft claim, worried about the liability, not the payout. Read how a homeowner's policy treats guns.
See if you're underinsuredWhat we cover
Three kinds of value. One specialist who understands all of them.
Most carriers insure the object. We cover the firearm, the trophy, and the experience behind it, with sub‑limits built for the way collectors and hunters actually live.
Blanket or Scheduled
Firearms
Blanket or scheduled.
Worldwide-to-the-U.S. coverage for theft, fire, and accidental loss, all on a primary basis, so we pay first and your homeowner's stays untouched.
- No serial numbers on blanket plans
- Primary, non‑contributory
- Class 3 / NFA included
Uncontested
Trophies
The coverage no one else offers.
We insure the finished trophy at a stated value that folds in what the hunt cost you, the airfare, day rates, and trophy fees, drawn from a catalog of 350+ species across every continent. Replacement value for an otherwise uninsurable asset, not trip or travel insurance.
- Hunt costs folded into stated value
- 350+ species catalog
- No requirement to retake the hunt
Everything Else
Accessories & Optics
The whole kit.
Glass, suppressors, tax stamps, and gear travel with your guns, covered away from home and in transit.
- Optics & gear
- Tax stamps covered
- Away‑from‑home up to $500,000
Compare plans
Find your cost and plan in 10 seconds.
Flat, published premiums, with no forms to fill before you see a price. Move the slider or type your number, get your plan, and carry it straight into the application.
Find your cost & plan
What's your collection worth?
Your recommended plan
RecommendedSilver
$115 premium + $15 admin · $500 deductible
Covers up to $20,000, no serial numbers required.
Published rate · no obligation · 2‑minute application
| Plan | For collections | Blanket limit | Per‑item cap | Deductible | Annual cost | Apply |
|---|---|---|---|---|---|---|
Lead Lowest‑cost entry. A handful of guns. | Up to $10k total | $10,000 | $5,000 | $250 | $70 | Apply |
Bronze Same limit, full per‑gun value. | Up to $10k total | $10,000 | $10,000 | $500 | $85 | Apply |
Silver The popular pick for growing collections. | Up to $20k total | $20,000 | $10,000 | $500 | $130 | Apply |
Gold Top blanket tier before scheduling. | $20k to $48k total | $48,000 | $10,000 | $500 | $175 | Apply |
Premier Blanket, Scheduled and/or Trophy Coverage. | Over $48k or trophies | Custom | Blanket: $10,000 · Scheduled & Trophies: Stated value | $500 | Custom | Build |
Tier is set by your collection's total value · single guns over $10,000 and any trophies move to Premier.
Wondering how we stack up? Compare our cost and coverage against other carriers.
How it works
Covered today, not next week.
Tell us about your collection
Total value and a few details. No serial numbers, no appraisals, no inventory for blanket coverage.
See your price
Flat, published premiums. Know your number before you commit. Most collectors are covered for $115 a year.
Get covered today
Buy a blanket policy online in minutes, or talk to a specialist for a scheduled or trophy build.
“We insure our own collections.”
The Cushman family
Why Gun & Trophy
A boutique agency that shoots, hunts, and answers the phone.
Forty years ago the Cushmans couldn't find coverage that respected what a collection actually means. So they built it, and they still run it.
We insure our own collections
The Cushmans are collectors and competitive shooters who insure their own guns and trophies. You get specialists who actually shoot and hunt, sometimes answering the phone from a hunt overseas.
Primary, never secondary
We pay first on your owned guns. Your homeowner's policy, and your homeowner's rate, never enter the picture.
Radical simplicity
No serial numbers, no appraisals under $50,000, no itemizing. Prove ownership only if you ever file a claim.
Backed by The Hanover
A boutique agency with every policy carried by The Hanover, established 1852 and rated A (Excellent) by AM Best, the insurance industry's rating authority since 1899. Specialist adjusters who understand value.
What it looks like in real life
The moments other policies argue about.
Coverage is only worth what it pays when something goes wrong. Here's how the master policy actually responds.
CoveredStolen from your truck at the range
Theft is covered worldwide with a signed police report.
CoveredCleaned out between competitions
A break-in is still theft, whether your guns are at home, at the club, or on the road. It's covered worldwide with a signed police report.
Up to $500,000A gun lost flying home from your hunt
Guns travel with you, covered in transit and away from home, up to $500,000, anywhere the hunt takes you.
Up to $25,000A new gun stolen before you called us
Automatic pickup covers newly acquired guns up to $25,000 for 90 days, before you ever report them.
Sub-limits and exclusions apply. The policy form is the binding contract. Ask us for a sample policy anytime.
Real Customer Feedback
Claims paid fast, by people who pick up.
Claim paid in fullThe collection's gone. The check isn't.
“I recently had reason to file a claim with Gun and Trophy Insurance and it was a flawless experience. ... I quickly received a check once I submitted a letter from an expert certifying my loss. They did not make me jump through hoops trying to delay payment.”
“A couple weeks ago I broke the stock on a double rifle and contacted them and after getting estimates then emailing them the claim was settled within two days and I had a check in the mail within a week. They were always easy to contact and very helpful and I can't thank them enough.”
“Great to deal with, I have had their insurance for 4 years and never used it. But when I ship my guns, I donot buy shipping insurance as G&T insurance covers it if something would happen!”
“When my K-80 came apart in my hands I called in and talked to them. Had a wonderful conversation and left me assured I'd be covered. It pays for itself not just in peace of mind, but I find myself shipping for repairs/sales, etc. and not having to buy USPS insurance for a $5-15k gun twice in a year pays my premium.”
“And here is the best part...their prices are better than everyone else's that I've ever had or checked out. I don't know why anyone would go anywhere else. Online renewals, great service, best price (I could find), and great dudes running it.”
“I called Gun and Trophy last week and got gun insurance for the first time. The entire process took maybe 15 mins ... Simple and easy and I couldn't complain about the price.”
“As an insurance agent of 27 years, I can't recommend these guys enough. Service, rates and coverage are great and I personally know one individual who unfortunately had a claim and the claims service and payment were all you could ask for.”
Covered in transit
Insuring one gun for shipping can cost more than your whole policy.
Send a gun in for service, or ship one to a buyer, and it travels covered both ways under your Gun & Trophy policy. The carrier's insurance on that single shipment can run more than a full year of coverage with us.
Questions, answered
The things collectors actually ask.
Still not sure which plan fits? A specialist will walk you through it. No pressure, no script.
Talk to a specialistSee all 27 FAQsHomeowner's covers guns under personal property, but for theft it usually caps ALL your guns at $1,500 to $5,000 total, not per gun. A separate policy removes that cap, protects your privacy and insurability, and costs about one‑sixth of the $1.50 to $1.80 per $100 a homeowner's carrier charges.
Not for blanket coverage. You only tell us your total requested limit; you prove ownership if and when you file a claim. Items worth over $10,000 should be scheduled on a Premier policy.
Per occurrence. Options are $500, $1,000, $2,500, and $5,000. Most clients choose $500 (Lead uses $250).
Only for individual items valued over $50,000, which also need approval before coverage. Below that, nothing is required up front.
Yes. Theft is covered worldwide with a signed police report, whether your guns are taken from your vehicle, at a shooting venue, or anywhere else.
Automatic pickup covers a newly acquired gun up to $25,000 until the first of: you report it, 90 days pass, or the policy expires. Newly acquired trophies get the same $25,000 for 30 days. An additional premium applies.
No. Policies carry a 100% minimum and deposit premium and are non‑refundable after the effective date. All policies auto‑renew annually.
Meet Cole Cushman
You'll talk to a shooter, not a call center.
Call Gun & Trophy and you won't get a script. You'll get Cole. A competitive shooter who grew up in the family agency, he knows the difference between a field gun and a fine one, and he's the name top shooters pass around. You've seen him on Trap Talk; now put him to work on your collection.
More with Cole