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InsuranceFebruary 20, 2023

How much does gun insurance cost?

Lead plan

Our entry plan, Lead, gives $10,000 in blanket/unscheduled firearm and accessories coverage and carries a $250 deductible per occurence/claim. The blanket/unscheduled coverage has a max per item limit of $5,000. The annual premium for this plan is $60 + $10 admin fee.

Bronze plan

Our next plan is Bronze, which carriers the same $10,000 coverage limit as Lead however the max per item limit is increased from $5,000 to $10,000 and the deductible increases to $500. The annual premium for this plan is $75 + $10 admin fee.

Silver plan

Our next plan is Silver, which carriers the same coverage as Bronze however the limit is increased from $10,000 to $20,000. The annual premium for this plan is $115 + $15 admin fee.

Gold plan

The Gold plan carriers the same coverage as Silver however the limit is increased from $20,000 to $48,000. The annual premium for this plan is $150 + $25 admin fee.

Premier plan: over $48,000, scheduled guns, and trophies

For individuals requiring a limit over $48,000, have items over $10,000, or wish to add trophy coverage for taxidermy collections, then we use our Premier plan. The coverages remain the same as the Bronze, Silver & Gold policies however the cost is determined by the total collection limit. Below are annual premiums based on collection size and a $500 deductible per occurrence for both guns and trophies/hunt replacement.

  • $155 + $25 admin fee: Up to $50,000 in coverage
  • $283 + $35 admin fee: $100,001 in coverage
  • $550+ $45 admin fee: $250,001 in coverage
  • $875 + $50 admin fee: $500,001 in coverage

Guns or trophies worth protecting?

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