Standard homeowners insurance caps firearm coverage at around $2,500 — across your entire collection. See exactly what you're missing in 60 seconds.
Move the slider to your collection's value. Toggle NFA items if applicable. Premium updates instantly.
We'll match you with a licensed specialty firearms insurer and follow up within one business day.
Most gun owners assume they're protected. Most aren't. Here's what your homeowners policy actually covers — and what it doesn't.
| Scenario | Standard Homeowners | Specialty Firearms Coverage |
|---|---|---|
| Theft from your home | ~$2,500 cap, total | Full collection value |
| Theft from your vehicle | Usually excluded | Covered nationwide |
| House fire or flood | Capped, limited | Full collection value |
| Transport to/from range | Excluded | Covered |
| Range damage / negligent discharge | Excluded | Covered |
| Optics, scopes, accessories | Excluded | Optional add-on |
| NFA items (suppressors, SBRs) | Excluded | Optional add-on |
| Inherited / heirloom firearms | ~$300 per item typical | Documented value |
| Agreed value claim payouts | Actual cash value (depreciated) | Agreed value (full) |
| Inventory management | You provide everything | Auto-synced from your Vault |
Each of these is a real claim that gun owners file every year. Here's what happens with each policy.
Most quote forms ask twenty questions. We already have most of them.
Your Gun Vault inventory + GunPrice valuations give us the documented value our partner carriers need. No more digging through receipts.
One short form. Where it's stored, what security you have, NFA items if applicable. This is what determines your real rate.
We connect you with a licensed specialty firearms insurer. You review the policy, sign, and your collection is covered.
The number you see on this page is an estimate based on industry-typical rates per dollar of coverage. Actual rates depend on storage, security, claims history, and underwriting — which is why the lead form asks about those. Once you submit, we connect you with a licensed specialty firearms insurer who issues the real policy.
If your collection is worth more than $2,500 — yes, almost certainly. Standard homeowners caps firearm coverage at around $2,500 across the entire collection, regardless of how many guns you own. A single mid-tier rifle alone can blow past that cap.
Blanket coverage insures your entire collection up to a total value, with no per-item documentation required. Easier and usually cheaper. Scheduled coverage lists each firearm individually with an agreed value — best for high-value individual pieces or NFA items. Most collectors start with blanket; scheduling gets added for specific items as collections grow.
Most specialty policies include automatic coverage for new acquisitions for 30–90 days. After that, you notify the carrier (usually a quick form). Your Gun Vault inventory tracks new guns automatically, so the heads-up is one click.
Yes. NFA items typically require their own line on the policy and price at a higher rate per dollar. The calculator above includes a toggle that applies the NFA rate when enabled.
Multi-location coverage is available — you list each storage location during the application. Common examples: primary residence, vacation home, range locker, business safe. Each location may have different security requirements.
Standard insurance partner relationship: when you bind a policy through one of our carrier partners, they pay us a referral fee. You pay the same rate you'd pay going direct. Our rates are not marked up.
Only what's needed for underwriting (total value, gun count, NFA flag, storage info), and only with the specific carrier you're applying to. Your Vault is never sold, syndicated, or shared with third parties for marketing.
Estimates only. Actual rates depend on your specific circumstances including storage, security, location, claims history, and underwriting. Numbers shown above use industry-typical rates per dollar of coverage and may not reflect what a carrier ultimately quotes.
Gun Vault is not a licensed insurance broker. We connect collectors with licensed specialty firearms insurers. Coverage is issued and managed by the carrier you choose; Gun Vault is not a party to the policy.
Your Vault inventory is private. We share underwriting-relevant data (total value, gun count, NFA flag, storage info) only with the specific carrier you apply to.
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