Originally Posted by
Sunray
Theft and burglary are the same thing. Never heard of a firearms insurance rider that covers natural disasters. Talk to your agent.
"...NTR Endowment..." A what?
"..."rider" where you pay extra..." If your carrier has the rider, you need to get 'replacement value' or, in the event you become the victim of a crime or tragedy, you'll get whatever the company thinks your property is worth. And they think everything loses value over time. Firearms, generally, do not lose value. Some, like milsurps, increase in value over time.
Last I heard, State Farm, is one of the insurance companies that are decidedly anti-firearm ownership. Nobody insures ammo though.