Compare the cost
What does gun insurance actually cost?
Enter what your collection is worth and see our published premium next to what comparable specialty and affinity programs charge for the same value. No forms, no callback, just the numbers.
Gun & Trophy's blanket gun insurance is a flat annual premium with the admin fee included: Lead is $70 a year for up to $10,000 of coverage with a $5,000 per-item cap, Bronze is $85 a year for up to $10,000 of coverage with a $10,000 per-item cap, Silver is $130 a year for up to $20,000 of coverage with a $10,000 per-item cap, and Gold is $175 a year for up to $48,000 of coverage with a $10,000 per-item cap. Collections over $48,000, any single gun over $10,000, and trophies move to a Premier policy, priced with a specialist.
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Comparing at $20,000: Gun & Trophy $130 per year (Silver), Specialty Collections Insurer $150, Affinity Group 1 $250, Affinity Group 2 $250, standard homeowners $140 to $1,000.
Gun & Trophy
Our priceComparable specialty and affinity estimates at this value start at $150
That maps to our Silver plan: a flat annual premium with a $500 deductible and no serial numbers required.
Specialty Collections Insurer
$150/year
Affinity Group 1
$250/year
Affinity Group 2
$250/year
Standard Homeowners
$140 to $1,000/year
Typical cost to schedule guns on a homeowner's policy, before any claim touches your home rate.
Annual estimates as of July 2026, rounded to the dollar. Competitor figures are our own good-faith estimates for comparable blanket coverage; groups are generalized and your quote will vary. Values over $48,000 are Premier territory, priced with a specialist.
Every published plan, side by side
| 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 |
Above $48,000 the calculator estimates a Premier policy at $180 a year for a $50,000 collection, $318 a year for a $100,000 collection and $595 a year for a $250,000 collection. Premier is priced with a specialist.
Not sure which plan fits? Answer two questions and get a recommendation.
Coverage comparison
Price is half the story. Compare the coverage.
The same five programs, feature by feature: what gets scheduled, what travels with you, and what simply isn't covered anywhere else.
| Feature | Gun & Trophy | Specialty Collections Insurer | Affinity Group 1 | Affinity Group 2 | Standard Homeowners |
|---|---|---|---|---|---|
| AM Best rating | A | A | A- | A | Varies |
| Scheduled items | Over $10K | Over $25K | Over $2,500 | Must be scheduled | Typically must be scheduled |
| Deductible | Starting at $250 | Starting at $0 | $250 | $0 | Usually $0 |
| Admitted or non-admitted | Admitted | Excess & surplus lines | Admitted | Admitted | Usually admitted |
| Guns away from premises | Up to $500K, no charge | Sublimit applies | Sublimit applies | $50K w/ restrictions | Generally no restrictions |
| Shipping limitations | None | $25K Class 1, $10K Class 2, $200 Class 3 | None | $50K w/ restrictions | No restrictions |
| Blanket / unscheduled coverage | Up to $10K per item | Up to $25K per item | Up to $2,500 per item | All must be scheduled | Ask company |
| Coinsurance | NA | 80% | NA | Uses own formula | NA |
| International coverage | Included | Sublimit applies | Up to $10K for 60 days | $50K w/ restrictions | Included |
| Newly acquired | $25,000 | Covered under blanket if applicable | Limited | No coverage | Generally not covered |
| Class 3 | Included | Silent | Included | No coverage | Ask company |
| Flood | No restriction | A & V excluded | $30K | No coverage | Usually no coverage |
| Earthquake | No restriction | $150K | $30K | No coverage | Generally covered |
Scroll sideways for all five carriers.
Comparison as published July 2026. Competitor programs are generalized industry groups, and features vary by carrier, state, and policy form. Your Certificate of Coverage and the policy form are what pay a claim.
Ready when you are
You've seen the numbers. Keep yours.
Flat, published premiums and a two-minute application. Or call and a specialist who shoots and hunts will walk you through it.