What we cover
Every coverage and limit, in one place.
A complete reference to what a Gun & Trophy policy protects, from the firearm and the trophy to the sub-limits most carriers never spell out. The figures below summarize the master policy. Your Certificate of Coverage and the policy form are what pay a claim.
Core coverage
What a policy protects.
The firearm, the trophy, and the experience behind it, insured on one policy with one minimum premium.
Gun Coverage (Primary Basis)
Insurance provided by the award-winning Hanover Insurance Group. Our policy provides property coverage on a primary basis for loss to an owned gun, so you do not have to involve your homeowner's insurance company in a loss. Homeowners policies typically limit theft of guns to a maximum of $5,000 total (not per gun), and charge between $1.50-$1.80 per $100 in gun value; Gun & Trophy's rate is roughly 1/6 of that. Coverage for non-owned guns (loaners) is on an excess basis: we will pay up to $25k in excess of any valid and collectible other insurance for the loss of a non-owned gun in our insured's care, custody, or control, irrespective of legal liability.
Trophy Coverage (Includes Cost of the Hunt)
The best hunting trophy coverage offered in the U.S.A. Homeowners insurance provides blanket coverage for many trophies but does not reimburse the actual cost of your hunt. Gun & Trophy provides coverage for 350+ animals under the trophy policy and will pay the majority of the cost to replace the hunt. Trophy coverage is provided at stated limits defined in the application and includes the cost of the hunt. Trophies are not covered until they clear U.S. Customs. Trophy/hunt replacement limits are generally 75% of what a hunter spends on a particular hunt.
Guns & Trophies Covered in One Policy
Gun & Trophy Insurance offers gun and trophy insurance on one policy with one policy minimum premium, in partnership with The Hanover Insurance Group. They operate as an independent insurance agency for U.S. Citizens. Coverage includes earthquake and flood coverage and has no coinsurance clause (you are not penalized at the time of loss for under-insuring).
Blanket / Unscheduled Coverage
A quick and easy way to acquire insurance for guns and accessories without providing a list of guns or serial numbers up front. In the event of a loss you must prove ownership. Valuation on a covered loss is 'fair market value.' The maximum paid per item under the blanket/unscheduled format is $10k; items must be scheduled to seek more than $10k for a particular firearm.
Scheduled Guns (Stated Amount)
You schedule the gun and accessories, provide serial numbers, and declare a value. Upon a covered claim we pay up to the amount declared and possibly 25% more (see Insufficiency of Limits). All guns over $10k in value must be scheduled on a stated amount basis. You may upload a spreadsheet of your inventory to save time during the application.
Covered Accessories
Accessories are covered on a 'replacement cost' valuation (actual cash value paid first, with 24 months to replace, then the difference reimbursed). Accessories include: stock and grips, bayonets, flashlights that attach to a covered firearm, barrel-mounted suppressors, sights, scopes, spotting scopes, magnified or non-magnified optics, red dot or reflex sights, holographic sights, lasers, other optics designed for aiming or sighting of firearms, slings, holsters, cases or boxes for carrying/transport of firearms, bipods and tripods for use with covered firearms, magazines, clips, links or other feeding devices, shotgun chokes, sub-gauge tube sets, knives, reloading equipment and binoculars. Class 3 firearms are covered. Accessories do NOT include ammunition, communications equipment, tactical/sporting/hunting apparel or vests, body or plate armor, cleaning supplies, prescription or safety eyeglasses, or archery equipment.
Wondering what your homeowner's policy already does for your guns? Read the comparison.
Plan options
Five ways to be covered.
Blanket tiers for growing collections, plus a Premier policy for scheduled guns and trophies. See a live estimate and full pricing on the home page.
Lead Plan (Blanket)
Blanket/unscheduled gun coverage limit of $10,000 with a max per item limit of $5,000. Annual premium $60, admin fee $10, $250 deductible per occurrence.
Bronze Plan (Blanket)
Blanket/unscheduled gun coverage limit of $10,000. Annual premium $75, admin fee $10, $500 deductible.
Silver Plan (Blanket)
For collections purchased under $20,000; blanket gun coverage limit of $20,000. Annual premium $115, admin fee $15, $500 deductible. Does not cover ammunition, targets, trophies/taxidermy, or collections stored outside the United States.
Gold Plan (Blanket)
For collections valued between $20,001 and $48,000; blanket gun coverage limit of $48,000. Annual premium $150, admin fee $25, $500 deductible. Does not cover ammunition, targets, trophies/taxidermy, or collections stored outside the United States.
Premier Policy (Scheduled + Trophies)
For scheduled guns and/or trophies and collections valued over $48,000. Allows higher blanket coverage, scheduling individual guns, and insuring trophies (including the cost of the hunt). Blanket items covered up to a maximum of $10k; guns/accessories over $10k should be scheduled at stated value with description and serial number. Annual premium begins at $150 plus a nominal admin fee. Does not cover collections valued at less than $2,500, ammunition, targets, or collections stored outside the United States.
Want your number? Compare plans and see your price.
Additional coverages & sub-limits
The fine print, spelled out.
The extensions and sub-limits built into the master policy, the coverage most homeowner's policies never mention and competitors rarely match.
Newly Acquired Guns (Automatic Pickup)
Covers direct physical loss to Sporting and Hunting Guns acquired during the policy period. Coverage applies until the first of: you report the newly acquired property, 90 days pass from acquisition, or the policy expires. The most paid is the lesser of the Valuation/Loss Payment amount or $25,000. An additional premium applies from the acquisition date.
Newly Acquired Trophies
Covers direct physical loss to Trophies acquired during the policy period. Coverage applies until the first of: you report the property, 30 days pass from acquisition, or the policy expires. The most paid is the lesser of your acquisition costs or $25,000. An additional premium applies.
Firing of Gun (Barrel Blow-Up)
Pays for loss to Sporting and Hunting Guns caused by bending, bulging, twisting, cracking, breaking or blowing up of the barrel(s) when Covered Property is fired. Most paid in any one occurrence or annual policy period is $5,000.
Fraud and Deceit
Covers theft of covered property when you, your agents or consignees are fraudulently induced to part with it (false persons, fraudulent bills of lading/shipping receipts, or electronic data processing fraud). Most paid in any one occurrence is $25,000.
Guns & Accessories in Transit / Not at Your Location
Pays for loss to covered guns and accessories while in transit or while temporarily not at your locations. Most paid is the lesser of the value of the covered property or $500,000.
Trophies in Transit / Not at Your Location
Pays for loss to covered trophies while in transit or while temporarily not at your locations. Most paid is the lesser of the value of the covered property or $100,000.
Tax Stamps
When a covered gun incurs a total loss by a Covered Cause of Loss, reimburses necessary and reasonable expenses paid to a governmental authority for tax stamps or federal stamps required for legal ownership. Most paid per gun is $200, most per occurrence is $1,000 (separate limit, no deductible). Does not apply if property is not replaced.
Reward Coverage
When we pay for loss caused by theft or vandalism, reimburses documented reward payments you make to others that cause the return of stolen property to police/law enforcement or the arrest and conviction of the person(s) who committed the theft or vandalism. Excludes payments to you or family, law enforcement members, or anyone involved in the crime. Most paid in any one occurrence is $2,500.
Extended Warranty Coverage
Pays the prorated cost, up to $1,000 in any one occurrence, for the unused portion of non-refundable extended warranties, maintenance contracts, or service contracts on Sporting and Hunting Guns that become invalid due to a covered loss. Applies only if you included the warranty cost in the scheduled value and you repair or replace the covered property.
Guns & Accessories Owned by Others
Pays for direct physical loss to Sporting and Hunting Guns and Accessories owned by others in your care, custody and control. Most paid is $25,000.
Insufficiency of Limits
If scheduled guns incur a total loss and the Limit of Insurance is inadequate to replace with like kind and quality, pays an additional limit up to 25% of the scheduled value, not to exceed the Any One Occurrence Limit on the Certificate of Coverage.
Debris Removal
Following a covered loss, pays your expenses to remove debris of covered property (reported in writing within 180 days). Most paid is 25% of the direct physical loss payment (before deductible); when debris removal exceeds that, up to an additional $10,000 is available.
Preservation of Covered Property
If it becomes necessary to move covered property to preserve it from imminent loss from a Covered Cause of Loss, pays reasonable moving or storage expenses. Most paid in any one occurrence is $10,000, and provides up to 90 days of storage charges.
Inventory and Appraisals
Pays necessary and reasonable expenses incurred at our direction to determine the amount of a covered loss (excludes public adjuster fees, legal fees, agent/broker fees, examination-under-oath expenses, and cost to prove a loss is covered). Most paid in any one occurrence is $25,000, with no deductible.
Fungus, Wet Rot, Dry Rot and Bacteria
Limited coverage for direct physical loss caused by fungus, wet rot, dry rot, or bacteria, including removal, when caused by a Specified Cause of Loss other than fire, lightning, or flood. Does not apply to Trophies. Maximum paid is $2,500.
Pollutant Cleanup and Removal
Pays to extract pollutants from land or water when caused by a Covered Cause of Loss to covered property (reported in writing within 180 days). Most paid in any one policy period is $10,000.
At a glance
Coverage & limits at a glance.
Every figure in one reference table. Numbers summarize the master policy; the policy form controls what a claim pays.
| Coverage | Limit & detail |
|---|---|
| Homeowners theft limit for guns | between $1,500 and $5,000 TOTAL (not per gun) |
| Homeowners rate | $1.50-$1.80 per $100 in gun value; G&T rate is approximately 1/6 of that |
| Non-owned guns (loaners) | up to $25,000 in excess of other valid and collectible insurance |
| Reward Coverage | up to $2,500 in any one occurrence |
| Tax Stamps | up to $200 per gun and up to $1,000 per occurrence (separate limit, no deductible) |
| Newly Acquired Guns (automatic pickup) | up to $25,000, covered until reported, 90 days pass, or policy expires |
| Newly Acquired Trophies | up to $25,000, covered until reported, 30 days pass, or policy expires |
| Firing of Gun (barrel blow-up) | $5,000 max any one occurrence or annual policy period |
| Extended Warranty Coverage | up to $1,000 in any one occurrence |
| Fraud and Deceit / willful parting | up to $25,000 in any one occurrence |
| Guns & Accessories in transit or not at your location | up to $500,000 |
| Trophies in transit or not at your location | up to $100,000 |
| Guns & Accessories owned by others (care/custody/control) | up to $25,000 |
| Insufficiency of Limits | additional up to 25% of scheduled value |
| Debris Removal | 25% of direct loss payment, plus up to an additional $10,000 |
| Preservation of Covered Property | up to $10,000, up to 90 days storage |
| Inventory and Appraisals | up to $25,000, no deductible |
| Fungus/wet rot/dry rot/bacteria | max $2,500 (does not apply to trophies) |
| Pollutant Cleanup and Removal | up to $10,000 per policy period |
| Deductible options | $500, $1,000, $2,500, and $5,000 (Lead plan $250) |
| Deductible applies per occurrence (not per gun) | |
| Blanket/unscheduled max paid per item | $10,000; items over $10,000 must be scheduled |
| Appraisals or bills of sale required only for individual items over $50,000 (also need approval prior to coverage) | |
| Rate reductions triggered for collections over $100,000, $250,000, and $500,000 | |
| Minimum premiums | Lead $60/yr, Bronze $75/yr, Silver $115/yr, Gold $150/yr, Premier $150/yr |
| Lead plan | $10,000 blanket limit, $5,000 max per item, $250 deductible, $60 premium, $10 admin fee |
| Bronze plan | $10,000 blanket limit, $500 deductible, $75 premium, $10 admin fee |
| Silver plan | collections under $20,000, $20,000 blanket limit, $500 deductible, $115 premium, $15 admin fee |
| Gold plan | collections $20,001-$48,000, $48,000 blanket limit, $500 deductible, $150 premium, $25 admin fee |
| Premier plan | collections over $48,001, custom pricing, premium begins at $150 |
| Premier approval thresholds | gun collections over $500,000, trophy collections over $250,000, and scheduled guns/accessories valued $50,000 or more require approval |
| Premier does not cover collections valued at less than $2,500 | |
| Special review required if a gun-related claim over $25,000 in the last 5 years or prior coverage declined for a non-claims reason | |
| Policies are 100% minimum and deposit premium; no refunds or partial refunds; all policies auto-renew annually | |
Every figure on this page summarizes the master policy. Sub-limits and exclusions apply, and the policy form is the binding contract. Ask us for a sample policy anytime.
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