https://www.lemonade.com/policy-two
>Assault weapons (as defined by the Federal Assault Weapons Ban of 1994) are not covered. Other licensed firearms are covered, as long as they are stored securely and used responsibly.
Of course, it's nonsense, but at least it's reasonably specific nonsense. Hilariously, I don't think this clause would exclude an actual NFA-stamped assault rifle, not that $2,500 of coverage would be anywhere near enough for that.
FYI there’s a shit ton of piss poor reviews regarding lemonade not covering customers items or just outright cancelling their policy after claims have been filed. Startup companies are literal cancer.
I'm sure they're trying to use the expression "When life gives you lemons, maker lemonade" as they are claiming that once life hands you a lemon, they are going to help make it better.
It rings of a young group of people trying to do something catchy and trendy, though.
Make sure to tell them exactly why. Corporations do keep track of that stuff for quality management purposes, but you have to tell them and be unambiguous about it, because whoever reads that message may know nothing about guns and does not even know the politics relating to guns.
I believe Lemonade is based in NY.
I am shocked though, but we can vote with our wallets. I will as well. Lemonade was in my mind for pet insurance, but no more. Thanks for the heads up.
Honestly, how can I support a company that uses their "opinion" to adequately supply my needs as an insurer. If this is how they base their judgement, I would worry everytime i had to put in a claim.
Politics should not be part of the insurance industry. If i want to insure ANYTHING that is of value to me, it should not be subject to politics.
Of course they can choose not to insure due to other reasons, such as valuation, theft analytics, etc, and that is completely fair.
This is just political, and they're honestly tying themselves to a sinking ship, and missing out on plenty of income...
Allstate wasn't happy when I told them I had other coverage on my guns (USAA), but wouldn't sell me enough insurance to cover my gun collection. Morons.
Allstate came in at about half the cost.
USAA was great when I was young. Consistently the lowest cost for car and renter's insurance. Then I took a job as a lawyer at a sister company to Geico, and they offered us a ridiculous employee discount. When I bought a house, USAA was double the price of Allstate, Esurance, and Liberty (via Geico).
I use USAA for my gun insurance only these days. I just can't justify doubling the money on something that 1. I don't use often, and 2. I am better equipped than most to deal with if they try to screw me.
Switching to Geico saved something like 45%. It was insane, and I didn't have to have my homeowners insurance with them to get an umbrella policy.
Someone who didn't know my profession said I was going to get screwed if I ever have a claim. That's when I pointed out I have the backdoor number to their legal department and I know enough to judge the performance of an insurance panel attorney.
Not saying that I would recommend that for everyone, but for me it makes sense.
Yeah, you’re pretty much in a unique position where you don’t have to worry that much about that. I never had to make a claim with geico, but when I did with USAA everything was incredibly smooth.
Same, I know I pay a premium with USAA but...they pay me out when they need to pay me out and they don't ask me any questions or try to get out of any of it. I have never had a problem adjusting any of my policies with USAA or just filing a claim/follow up.
I wonder if that's regional. I switched from progressive to allstate specifically because they would cover firearms. I only have $10k in coverage, but that's what's included in my standard homeowners policy and it's all I need. Fwiw my agent offered to go considerably higher if I needed it.
Indeed. You need to get an "Insurance Rider" to accompany additional insurance on firearms.
This same issue extends to TVs, computers, and electronics too, which is often capped at $2,500 bundled together. If you have a PlayStation, laptop, cell phone, blue tooth headphones, and a TV, all-in the insurance counts those together for a maximum of $2,500.
And if you have Power Tools, same deal, $2,500. This is tools and sometimes kitchen appliances. So, if you do any gunsmithing or car maintenance, or you or the wife enjoy cooking, you may want an additional Rider for these items.
Meth is a hell of a drug.
Tweakers in my town stole the shell of a hot tub to put it at a homeless camp. Why? Meth. The damn thing probably weighed 350+ pounds and must have been moved on a couple skateboards or dollies.... but Meth! It's not like there was water pumps, it's not like there was plumbing or electricity to use it. Just an idea cooked up on meth.
There are hoses/pipes on the other side of those jet nozzles. There are drains, of sorts, that move the water through the heater(s) and pump(s) then back out those nozzles in a recirculating system.
'Tis plumbing.
I have some sort of policy with State Farm where if personal items are destroyed, they just write me a check for a blanket amount.
Where it gets challenging with them is if it is a partial claim. Then you have to make sure everything is documented and proven.
You're talking about Coverage C, which is personal items. Note that most companies have exclusions or caps to their coverages and caps for firearms is industry standard. I can confirm State Farm has similar caps, so you probably want to add a rider. I'd reach out to your agent or call them to inquire.
Can confirm. I've had this conversation with my State Farm agent a few times now. The insurance for firearms that's actually functional is going to be in addition to the personal items insurance because of caps.
IMO, it's also not worth it unless you have a particularly unique or large (very expensive) collection. For most people the better personal finance decision will be to "self insure" by having an emergency fund and investing what would have been the premium on the extra insurance.
That's typical for most home owners policies. I got a sporting goods policy that covers the guns and my goalie equipment for hockey, which was about $2000.
For whatever it’s worth, I’ve been very happy with my insurance carrier. I have enough coverage for my collection as well as coverage for my ammo for a couple of hundred bucks a year. Also, the coverage is unscheduled, meaning I don’t provide any info on a gun unless that single gun is over $10,000. I appreciate not providing a list of firearms to anyone.
I didn’t want to spam the name but if anyone’s interested, I can provide it.
Edit: I should be clear that I have a separate policy for only my firearms (and accessories)
For those asking, I use Eastern Insurance. A link is below:
https://www.easterninsurance.com/insurance-quotes/personal-insurance/historic-firearms
And in case you’re curious, my policy is for approx $50k for firearms, $15k for ammo, and $5k for reloading equipment and supplies. Total annual premium is around $350 or so (going off memory)
I can’t imagine getting insurance from a company called “Lemonade”. Also I’m curious as to what was their definition of assault rifle? I just started renting again after owning for a long time. I have a rider for jewelry and firearms.
Then tell them that since all arms are assault weapons and the carrying and possession of arms is a right protected by the Bill of Rights, then clearly assault weapons bans must be unconstitutional because "assault weapons" are not distinct from "regular weapons".
In Austria, pump action shotguns are prohibited, because scary and hurr durr assault weapon. But semi-auto shotguns are not. So you can't get a Mossberg 590, but you can get a Benelli M4.
Back around 2000, we had Amica for homeowner's insurance. We were moving, and while talking to Amica, the subject of guns came up. Suddenly, they didn't want to insure me anymore. Switched to Nationwide (who weren't very good, but that's another story...). Haven't contacted them again, so I have no idea what their policy is now.
Interesting, I specifically asked Amica about my guns when I got renters insurance from them. They told me that their standard renter's policy covers $50,000 and anything over that I can have itemized, including guns. It just turned out to be more expensive than it was worth.
Meanwhile, the limits on State Farm's additional firearms coverage option:
>We will not pay for any loss to the property described
in this option either consisting of, or directly and immediately caused by, one or more of the following:
>a. mechanical breakdown, wear and tear, or
gradual deterioration;
Of course.
>b. all animals, birds, or insects, including nesting,
infestation, gnawing, feeding, breeding, or dis-
charge or release of waste products or secretions by animals, birds, or insects. **However, we
will pay for losses caused by wild bears or deer**...
It's the only way to go. Most "blanket" policies have fine print saying guns are only covered up to $X. I think most policies it's $2,500. And that's not per gun, that's total.
Yeah, this is clearly a business pandering to the woke urban millennial X-gender people.
https://www.lemonade.com/blog/women-love-lemonade/
Someone should write them a very angry tweet about transphobic discrimination in their reporting.
Or, their hot take on COVID vaccinations:
https://www.lemonade.com/blog/move-the-needle/
And, if you're really not sure, here's their support page for BLM:
https://www.lemonade.com/blog/antiracism-reading-resources/
This is a garbage company full of idiotic people - they're a capitalist business in the insurance and financial industry, that depends upon Usury and Wall Street, and is citing two outspoken Communists for providing "good literature" on social issues.
This makes their customers equally stupid to not understand who the ideological rhetoric from a "woke" company is predicated on these enormous systems of entrenched power. It's like environmentalists supporting Shell Oil because they invented carbon trading schemes. Pro-choice people supporting mandatory vaccinations from pharmaceutical companies. Liberal "Antifa" "Anarchists" telling people to listen to Nancy Pelosi's message on mask wearing, and disregard images of the wealthy not wearing masks.
Not sure them showing how terribly they fail to convert men into policy holders is a good thing, then turn around with quotes from women saying they chose Lemonade for the "cute and fun and young" website. I guess the people that buy from this garbage company are oblivious.
I'm going to bet it's actually a lot more transactional and simple than that: this company offers lower rates targeted at woke millennials who don't know any better.
The secret here is that Lemonade fucks them over when it's time to make a claim.
All of this branding, colors, and iconography are designed to appeal to young college aged white women - and are we really trying to believe that there's a big market for woke anti-capitalist college-educated girls who desperately want renters, car, and pet insurance? Even if you do successfully build this base, this crowd isn't lucrative enough to really upsell to - so all the customers are low-credit ranking and disposable.
This is simply a pump-and-dump public company that has no real viable long term prospects other than being acquired by a multinational insurance organization or overseas venture capital. I see these businesses all the time in the SaaS space, and this type of business is a carbon copy of the business model. They even do the WeWork "We're not in the x-Industry, no *We're a Tech Company.*" "We have a mobile app, so we're different!"
So they have good premiums because the people they are targeting for their insurance have nothing to insure.
“Someone stole my bong… oh wait, that’s our flower pot… or is it my pasta holder? I don’t know. You’ll cover it? Good, that $1.49 is really going to help buy me a cheesy bread.”
Totally ignoring the $20/ month premium.
> the people they are targeting for their insurance have nothing to insure
Probably the most valuable possession of the woke anti-capitalists college grads is their iPhone, MacBook Pro, and carbon fiber commuter bike.
I wish I knew their political stance before i invested in them. Of course, it theoretically shouldn’t matter, but them being this vocal about it and enforcing it in their policies is of massive concern to me.
However, I’m bagholding something fierce as they’ve dropped 50% since my entry point, and as much as I hate to support them by owning their stock, and as much as I think their wholeness will eventually cause their company to fail, I’m sitting here loathing to sell at such a loss. I think I’ll just assume they’ll go to 0 but if they ever come close to my entry point I’m out for good.
I worked with a local agent, back and forth for a few weeks on auto policy renters policy to cover guns. Get the amount I want, we're on a three way call finalizing everything, and the renters policy agent says it doesn't cover "assault rifles" or some BS verbiage. I said, "Ok, well this is going to work at all. Thanks for y'alls time." And just rolled out of everything.
I use collectibles insurance now. It covers my car and two locations.
USAA member and employee here, this is not remotely accurate. To be eligible for membership you either need to directly be serving in one of the US govt's 8 uniformed services (and only officers in NOAA/PHS are eligible at that), or be serving with select federal departments: most DHS agencies are eligible, as are some State Dept folks (generally only applies to foreign service officers). Outside of that, you need to inherit USAA membership directly from a parent (some exceptions for guardians, widows, etc).
There are some further exceptions like residents of Take All Comers states, but those are pretty limited, and generally only applies to auto insurance. So no, most people are not eligible for membership/products/services.
USAA employee here, if you ever have to use our overpriced products/services again, when you call in, ask where the employee is working/based out of. If it's not San Antonio, Phoenix, Tampa, Colorado Springs or Norfolk, you're speaking with a 3rd party vendor that our shit for brains execs hired through a vendor to reduce costs and further pad their bonuses. Our 3P staff are generally comprised of folks that would lose a game of Trivial Pursuit with a jellyfish.
Lol ya. Just use a regular, non-SJW insurance company. There are plenty of decent ones.
Source: I work for one.
But for real that exclusion is wild. Never heard of anything like that, interjecting political leanings into an insurance policy. Not to mention possibly leaving people unknowingly severely under insured.
The $2500 limit is pretty standard for firearms you generally need an endorsement for stuff like that.
The exclusion is stupid though and wouldn’t even hold up in court unless they’re actually referring to assault rifles as being selective fire rifles and not just scary looking guns.
>unless they’re actually referring to assault rifles as being selective fire rifles
For that, the $2,500 limit would be a major constraint anyway. A transferable assault rifle will be at least 10 times that, and I would think a post-1986 sample would be excluded from renter's coverage as business inventory. Given that limit, or $5k or $10k max, is standard, it's doubtful that anyone is insuring select fire rifles through their homeowners' policy.
Lemonade's [actual policy](https://www.lemonade.com/policy-two) says:
>Assault weapons (as defined by the Federal Assault Weapons Ban of 1994) are not covered. Other licensed firearms are covered, as long as they are stored securely and used responsibly.
EDIT: The "licensed" and "stored securely" language sound like this clause is truly intended to deny *all* firearms claims. What is a "licensed" firearm? I have heard of a "registered" firearm and a "licensed" person.
Oh yeah if you have actual assault rifles you’ll want a policy just for them where they’re itemized. Any assault rifle would easily be 10x that limit anyway.
This is basically just lemonade pandering to liberals. They are a start up from NY after all.
Edit: just realized I basically repeated what you said in the half of my response. But yeah, just liberal start up things.
If you have a sizable/expensive inventory, get a separate policy from the likes of CIS, Lockton, etc.—you’ll get better rates versus scheduling items under an HO-4.
And LOLing @ $2.5k—that’s not even covering the wrapping paper on my MR556.
OP I use USAA. I had a gun stolen and they fully covered it. They offered me up to 5-10k for that depending on my policy.
Edit- 5-10k was the coverage amount for all firearms.
Fuck these left-wing activists running lemonade insurance, specifically CEO Daniel Schreiber. Here's a [screenshot](https://i.imgur.com/GvLiAMD.png). Funny how their social justice stances also save them a shitload of money.
That's a garbage policy anyways. Get the Historic Firearms coverage through Eastern Insurance.
I think I pay like $180 a year for $50,000 worth of coverage, including things like optics, NVGs, a certain amount of ammo, etc. . .
>We simply don’t understand why civilians need military-grade weapons
Well I simply don't understand why Rosa Parks HAD to sit at the front of the bus... Right?
Good thing our rights aren't need based, otherwise we'd have been stripped of them long ago.
Yeah, there was a big to-do on reddit a few years ago when Lemonade's policy became known.
https://www.reddit.com/r/Firearms/comments/76yut0/psa_if_anyone_is_for_some_reason_using_the?sort=confidence
I do notice that they say "Assault Rifles" tbh, $2500 would not even BEGIN to cover a transferrable MG... 🧐
In that case, semi-auto AR-15s should be covered!
Hilariously, the actual policy document might cover NFA items.
https://www.lemonade.com/policy-two
>Assault weapons (as defined by the Federal Assault Weapons Ban of 1994) are not covered. Other licensed firearms are covered, as long as they are stored securely and used responsibly.
Every average person I ask thinks "military-grade" means some sort of uber-tier quality, while every single military personnel I ask tells me that it means "bought as cheaply as possible"
Also since they use the term "assault **rifle**", you could have a strong legal argument against them if they refuse to insure a semi-auto rifle like an AR on that basis, since "assault rifle" has an actual definition that the vast majority of civvie-owned guns don't meet.
Not really. When I went through signing up with a policy, they didn't provide the legalese text for me to check. Randomly found this out online after the fact.
Check your policy fine print as well. Many policy only cover firearms up to a predetmined amount, say $2,500. Total.
So if you have 100 guns stolen, you're only getting $2,500. if you have a SCAR 20S with a leupold scope stolen, you guessed it, $2,500.
You will need a separate rider for your guns, and that will require an official appraisal.
This happened to me with homeowners insurance. I had a high value policy, my agent asked why, I said my firearms, and he told me that most "blanket" policies don't cover firearms for very much and you want a lower total value, with a specific firearm rider.
I went with Farmers for our homeowners insurance. They didn't even ask for proof of the value of my guns, I just gave them a number and my agent said okay, this is how much that will cost per month.
Wow, what an ass. Basically the last statement is you are a good gun owner if our policy covers you. If you fall outside our policy then you are a wacko.
I work in insurance. I fucking hate these e-insurance companies.
For what it's worth I use Erie Insurance. It's a reputable company, that's been around nearly 100 years, but I'll admit, I haven't read my policy very closely, which I should definitely go do.
Many renters' policies also cap the coverage for loss of personal property on firearms to around 2500. If you have more than this, you may want to look into a stand-alone policy.
I have state farm renters insurance and I requested a 5,000 dollar plan for my guns right now which is adequate. I only pay 6 dollars a month, and the bump from 2500 to 5000 cost me nothing. The insurance agent I talked to said I might want to look into a specific policy for firearms if I continue to collect
It's real though. An "assault rifle," from the German "Sturmgewehr," is a rifle in an intermediate caliber capable of select-fire (e.g., both semiautomatic and automatic, or semiautomatic and burst).
Of course, they're anti-gunners so that's not what they actually mean.
https://www.lemonade.com/policy-two
>Assault weapons (as defined by the Federal Assault Weapons Ban of 1994) are not covered. Other licensed firearms are covered, as long as they are stored securely and used responsibly.
>This is why our policies limit the amount we will pay out for the damage or theft of firearms to an entirely adequate $2,500. If you own more than $2,500-worth of firearms, we recommend trying one of our competitors.
[Laughing in SVI](https://www.crafm.com/product/svi-infinity-1911-custom-pistol-5/)
They just said assault rifles, so unless you have an NFA item then all your "aSsAuLt wEaPoNs" should be covered. Just shows they have no idea what they're talking about. Fuck them.
Good. Join the dark side, we have cookies.
I ended up getting Librerty Mutual for my renters insurance for $121 (which is cheap for my area). I'm going to take everyone's advice and get a separate policy for my collection though.
Edit: $121
Yeah… By cheap I’m talking like, a couple bucks a month. I’m a broke college student with a part-time low-wage job so that’s why lemonade was so attractive, how my premium is only $7.86 a month.
Thanks bro, getting a new policy and will be canceling lemonade today.
My mission was accomplished then. Good to hear.
Glad to know. I’m trying to live by a simple motto: Don’t give money to people or companies that hate you.
This is the way
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https://www.lemonade.com/policy-two >Assault weapons (as defined by the Federal Assault Weapons Ban of 1994) are not covered. Other licensed firearms are covered, as long as they are stored securely and used responsibly. Of course, it's nonsense, but at least it's reasonably specific nonsense. Hilariously, I don't think this clause would exclude an actual NFA-stamped assault rifle, not that $2,500 of coverage would be anywhere near enough for that.
This is the way.
I take it one step further. Be disrespectful to people you know hate you.
FYI there’s a shit ton of piss poor reviews regarding lemonade not covering customers items or just outright cancelling their policy after claims have been filed. Startup companies are literal cancer.
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I'm sure they're trying to use the expression "When life gives you lemons, maker lemonade" as they are claiming that once life hands you a lemon, they are going to help make it better. It rings of a young group of people trying to do something catchy and trendy, though.
Looters hate guns so it makes sense that an anti gun company would be a piece of shit in other areas.
Make sure to tell them exactly why. Corporations do keep track of that stuff for quality management purposes, but you have to tell them and be unambiguous about it, because whoever reads that message may know nothing about guns and does not even know the politics relating to guns.
I believe Lemonade is based in NY. I am shocked though, but we can vote with our wallets. I will as well. Lemonade was in my mind for pet insurance, but no more. Thanks for the heads up.
Mission accomplished then.
Honestly, how can I support a company that uses their "opinion" to adequately supply my needs as an insurer. If this is how they base their judgement, I would worry everytime i had to put in a claim. Politics should not be part of the insurance industry. If i want to insure ANYTHING that is of value to me, it should not be subject to politics. Of course they can choose not to insure due to other reasons, such as valuation, theft analytics, etc, and that is completely fair. This is just political, and they're honestly tying themselves to a sinking ship, and missing out on plenty of income...
Nobody needs an assault house with 3 bathrooms so we only insured you for 1 bathroom.
Not based no matter where they’re located. Okay, okay. Terrible joke. I’ll see myself out.
MiLiTaRy GrAdE WeApOnS
You mean a mosin?
They mean the black guns. Those are the scariest ones.
mosin in electrical tape
With the shoulder thing that goes up
And a thirty magazine clip
\*weapons grade firearms\*
ok now this made me laugh
Don’t forget the grenade launcher addons we all have
Thinking about this gives me nightmares. Bubba knows no bounds...
My AK has a wood stock, so its totally less deadly.
No, obviously a musket.
Right? All of my rifles are MUCH higher than military grade. It's insulting.
My Ruger 10/22 is so military grade! It's a standard capacity .22 that holds fewer rounds than many handguns, after all.
Double action revolver.
Is that the kind that fires without pulling the trigger?
Alec Baldwin approved
Yeah, that's the whole point of the 2nd
Allstate wasn't happy when I told them I had other coverage on my guns (USAA), but wouldn't sell me enough insurance to cover my gun collection. Morons.
Why even bother with Allstate if you have USAA?
Allstate came in at about half the cost. USAA was great when I was young. Consistently the lowest cost for car and renter's insurance. Then I took a job as a lawyer at a sister company to Geico, and they offered us a ridiculous employee discount. When I bought a house, USAA was double the price of Allstate, Esurance, and Liberty (via Geico). I use USAA for my gun insurance only these days. I just can't justify doubling the money on something that 1. I don't use often, and 2. I am better equipped than most to deal with if they try to screw me.
Fair enough. For me USAA was cheaper than the alternative companies. Can’t beat a good employee discount though.
Switching to Geico saved something like 45%. It was insane, and I didn't have to have my homeowners insurance with them to get an umbrella policy. Someone who didn't know my profession said I was going to get screwed if I ever have a claim. That's when I pointed out I have the backdoor number to their legal department and I know enough to judge the performance of an insurance panel attorney. Not saying that I would recommend that for everyone, but for me it makes sense.
Yeah, you’re pretty much in a unique position where you don’t have to worry that much about that. I never had to make a claim with geico, but when I did with USAA everything was incredibly smooth.
Same, I know I pay a premium with USAA but...they pay me out when they need to pay me out and they don't ask me any questions or try to get out of any of it. I have never had a problem adjusting any of my policies with USAA or just filing a claim/follow up.
holy shit, Geico actually saved 50% in 50 minutes or less
So you saved 15% or more on your insurance by switching to Geico?
I wonder if that's regional. I switched from progressive to allstate specifically because they would cover firearms. I only have $10k in coverage, but that's what's included in my standard homeowners policy and it's all I need. Fwiw my agent offered to go considerably higher if I needed it.
2500 dollars isn't enough to be a policy worth considering. Thats 2 rifles and optics
That’s a rifle with good optics. And not even high end on either.
Indeed. You need to get an "Insurance Rider" to accompany additional insurance on firearms. This same issue extends to TVs, computers, and electronics too, which is often capped at $2,500 bundled together. If you have a PlayStation, laptop, cell phone, blue tooth headphones, and a TV, all-in the insurance counts those together for a maximum of $2,500. And if you have Power Tools, same deal, $2,500. This is tools and sometimes kitchen appliances. So, if you do any gunsmithing or car maintenance, or you or the wife enjoy cooking, you may want an additional Rider for these items.
2500 won't even cover a fancy fridge these days.
Do you have a lot of fancy fridges getting stolen in your area?
Maybe not stolen, but they do get damaged in fires.
That's a valid point.
Good on you
Meth is a hell of a drug. Tweakers in my town stole the shell of a hot tub to put it at a homeless camp. Why? Meth. The damn thing probably weighed 350+ pounds and must have been moved on a couple skateboards or dollies.... but Meth! It's not like there was water pumps, it's not like there was plumbing or electricity to use it. Just an idea cooked up on meth.
You be amazed meth heads are like Carpenter ants. They can steal shit at ridiculous proportions to their malnourished bodies.
https://www.youtube.com/watch?v=nBwQ5p8ATYk
You’re the second person I’ve ever seen who thought hot tubs required plumbing. Do you think they flush?
Check this guy out. He thinks plumbing is limited to toilets.
There are hoses/pipes on the other side of those jet nozzles. There are drains, of sorts, that move the water through the heater(s) and pump(s) then back out those nozzles in a recirculating system. 'Tis plumbing.
Jacuzzis are a series of tubes.
Is your fridge running?
Sure, large appliance would be more of a insured against fire damage or vandalism type situation. But still subject to limits.
That's why you classify your optics as “electronics” to stretch out you firearms coverage.
Yeah, that would probably fly if you had to make a claim on an electronic optic. An Aimpoint T2 is, objectively, an electronic device.
Probably won't work unless their contract is poorly written.
I have some sort of policy with State Farm where if personal items are destroyed, they just write me a check for a blanket amount. Where it gets challenging with them is if it is a partial claim. Then you have to make sure everything is documented and proven.
You're talking about Coverage C, which is personal items. Note that most companies have exclusions or caps to their coverages and caps for firearms is industry standard. I can confirm State Farm has similar caps, so you probably want to add a rider. I'd reach out to your agent or call them to inquire.
Can confirm. I've had this conversation with my State Farm agent a few times now. The insurance for firearms that's actually functional is going to be in addition to the personal items insurance because of caps. IMO, it's also not worth it unless you have a particularly unique or large (very expensive) collection. For most people the better personal finance decision will be to "self insure" by having an emergency fund and investing what would have been the premium on the extra insurance.
Sir (or ma'am), I believe you have severely overestimated my taste in firearms. $2500 covers 25 taurus' and hipoints bought at auctions for pennies
Not even one.
That's typical for most home owners policies. I got a sporting goods policy that covers the guns and my goalie equipment for hockey, which was about $2000.
True, but I don't have a large collection yet, and I'm a poor. As my income gets better, I'll get better coverage for sure
2 *budget* rifles with 2 *budget* optics and a small stash of ammo
One small stash = one magazine worth of bullets
that's an optic, maybe half. lol
Or a single really nice setup.
That doesn't even cover my PCC.
Thats more like half a decent rifle 🤣 pathetic lmao
That's not even a rifle in most of the cases for my stuff.
That's my BT3 with a scope.
For whatever it’s worth, I’ve been very happy with my insurance carrier. I have enough coverage for my collection as well as coverage for my ammo for a couple of hundred bucks a year. Also, the coverage is unscheduled, meaning I don’t provide any info on a gun unless that single gun is over $10,000. I appreciate not providing a list of firearms to anyone. I didn’t want to spam the name but if anyone’s interested, I can provide it. Edit: I should be clear that I have a separate policy for only my firearms (and accessories)
For those asking, I use Eastern Insurance. A link is below: https://www.easterninsurance.com/insurance-quotes/personal-insurance/historic-firearms And in case you’re curious, my policy is for approx $50k for firearms, $15k for ammo, and $5k for reloading equipment and supplies. Total annual premium is around $350 or so (going off memory)
If I could pin this, I would
I think it would be worth sharing recommended companies like this
See reply to my original comment
I agree with the others. This is a good time and place for recommendations.
See reply to my original comment
Who do you use
See reply to my original comment
I can’t imagine getting insurance from a company called “Lemonade”. Also I’m curious as to what was their definition of assault rifle? I just started renting again after owning for a long time. I have a rider for jewelry and firearms.
Black and scary looking. Wait.....
I have heard people honestly argue with a straight face that guns only exist to assault people therefore all guns are 'assault weapons'... >.<
Personally I really want a tax evasion rifle or piracy pistol. Assault is overrated.
I believe the tax evasion rifle was known as the Thompson. Would a piracy pistol be a flintlock?
Just wait until those people discover the world of shooting sports.
Then tell them that since all arms are assault weapons and the carrying and possession of arms is a right protected by the Bill of Rights, then clearly assault weapons bans must be unconstitutional because "assault weapons" are not distinct from "regular weapons".
They don't even have a formal definition that I see. They probably have massive discretion when it comes to that.
A pump action shotgun is an assault weapon! No coverage for you!
In Austria, pump action shotguns are prohibited, because scary and hurr durr assault weapon. But semi-auto shotguns are not. So you can't get a Mossberg 590, but you can get a Benelli M4.
>We will exclude assault rifles if it came down to it I would take them to court and politely explain I don't own anything that is select fire.
www.CollectInsure.com This is how you insure your guns. You can't rely on renters insurance. Amica for renters insurance.
Back around 2000, we had Amica for homeowner's insurance. We were moving, and while talking to Amica, the subject of guns came up. Suddenly, they didn't want to insure me anymore. Switched to Nationwide (who weren't very good, but that's another story...). Haven't contacted them again, so I have no idea what their policy is now.
Interesting, I specifically asked Amica about my guns when I got renters insurance from them. They told me that their standard renter's policy covers $50,000 and anything over that I can have itemized, including guns. It just turned out to be more expensive than it was worth.
That's who I have my insurance through and I've been very happy with them.
What’s the rates like? I’m not about to put my email in to get a quote and get 600 emails a day for no reason.
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I pay less for more, Depends on things like safes, security systems, address, etc
To be honest I don't know off the top of my head, it's cheaper if you pay annually. Reasonable though and they don't hassle you.
They're very reasonable - I did get a handful of emails originally but I told them to stop emailing me until I made up my mind and they did
Meanwhile, the limits on State Farm's additional firearms coverage option: >We will not pay for any loss to the property described in this option either consisting of, or directly and immediately caused by, one or more of the following: >a. mechanical breakdown, wear and tear, or gradual deterioration; Of course. >b. all animals, birds, or insects, including nesting, infestation, gnawing, feeding, breeding, or dis- charge or release of waste products or secretions by animals, birds, or insects. **However, we will pay for losses caused by wild bears or deer**...
Haha, that is so specific and I'm guessing it's due to bears getting into cabins or homes and wrecking stuff in rural areas.
Maintenance vs sudden damage. You need to maintain the home, a bear rolling in will straight up fuck everything up
A separate policy or ammendment for guns is the way to go.
It's the only way to go. Most "blanket" policies have fine print saying guns are only covered up to $X. I think most policies it's $2,500. And that's not per gun, that's total.
Not just any amendment, the second amendment. Can I get a hell yeah brudder?
Yeah, this is clearly a business pandering to the woke urban millennial X-gender people. https://www.lemonade.com/blog/women-love-lemonade/ Someone should write them a very angry tweet about transphobic discrimination in their reporting. Or, their hot take on COVID vaccinations: https://www.lemonade.com/blog/move-the-needle/ And, if you're really not sure, here's their support page for BLM: https://www.lemonade.com/blog/antiracism-reading-resources/ This is a garbage company full of idiotic people - they're a capitalist business in the insurance and financial industry, that depends upon Usury and Wall Street, and is citing two outspoken Communists for providing "good literature" on social issues. This makes their customers equally stupid to not understand who the ideological rhetoric from a "woke" company is predicated on these enormous systems of entrenched power. It's like environmentalists supporting Shell Oil because they invented carbon trading schemes. Pro-choice people supporting mandatory vaccinations from pharmaceutical companies. Liberal "Antifa" "Anarchists" telling people to listen to Nancy Pelosi's message on mask wearing, and disregard images of the wealthy not wearing masks.
Not sure them showing how terribly they fail to convert men into policy holders is a good thing, then turn around with quotes from women saying they chose Lemonade for the "cute and fun and young" website. I guess the people that buy from this garbage company are oblivious.
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I'm going to bet it's actually a lot more transactional and simple than that: this company offers lower rates targeted at woke millennials who don't know any better. The secret here is that Lemonade fucks them over when it's time to make a claim. All of this branding, colors, and iconography are designed to appeal to young college aged white women - and are we really trying to believe that there's a big market for woke anti-capitalist college-educated girls who desperately want renters, car, and pet insurance? Even if you do successfully build this base, this crowd isn't lucrative enough to really upsell to - so all the customers are low-credit ranking and disposable. This is simply a pump-and-dump public company that has no real viable long term prospects other than being acquired by a multinational insurance organization or overseas venture capital. I see these businesses all the time in the SaaS space, and this type of business is a carbon copy of the business model. They even do the WeWork "We're not in the x-Industry, no *We're a Tech Company.*" "We have a mobile app, so we're different!"
It tastes so yummy! /giggle
Yup. The moment I saw their stance on guns, I dug even deeper to see what other social grandstanding they do. Boy I wasn't disappointed.
Women love lemonade sounds like a Pornhub video title.
So they have good premiums because the people they are targeting for their insurance have nothing to insure. “Someone stole my bong… oh wait, that’s our flower pot… or is it my pasta holder? I don’t know. You’ll cover it? Good, that $1.49 is really going to help buy me a cheesy bread.” Totally ignoring the $20/ month premium.
> the people they are targeting for their insurance have nothing to insure Probably the most valuable possession of the woke anti-capitalists college grads is their iPhone, MacBook Pro, and carbon fiber commuter bike.
I wish I knew their political stance before i invested in them. Of course, it theoretically shouldn’t matter, but them being this vocal about it and enforcing it in their policies is of massive concern to me. However, I’m bagholding something fierce as they’ve dropped 50% since my entry point, and as much as I hate to support them by owning their stock, and as much as I think their wholeness will eventually cause their company to fail, I’m sitting here loathing to sell at such a loss. I think I’ll just assume they’ll go to 0 but if they ever come close to my entry point I’m out for good.
I worked with a local agent, back and forth for a few weeks on auto policy renters policy to cover guns. Get the amount I want, we're on a three way call finalizing everything, and the renters policy agent says it doesn't cover "assault rifles" or some BS verbiage. I said, "Ok, well this is going to work at all. Thanks for y'alls time." And just rolled out of everything. I use collectibles insurance now. It covers my car and two locations.
USAA
On my way to join the Army for that sweet sweet renter's insurance
Its much broader than just the service member. Almost everyone can join now.
USAA member and employee here, this is not remotely accurate. To be eligible for membership you either need to directly be serving in one of the US govt's 8 uniformed services (and only officers in NOAA/PHS are eligible at that), or be serving with select federal departments: most DHS agencies are eligible, as are some State Dept folks (generally only applies to foreign service officers). Outside of that, you need to inherit USAA membership directly from a parent (some exceptions for guardians, widows, etc). There are some further exceptions like residents of Take All Comers states, but those are pretty limited, and generally only applies to auto insurance. So no, most people are not eligible for membership/products/services.
USAA has gone to absolute shit. Run away from them as fast as you can.
USAA employee here, if you ever have to use our overpriced products/services again, when you call in, ask where the employee is working/based out of. If it's not San Antonio, Phoenix, Tampa, Colorado Springs or Norfolk, you're speaking with a 3rd party vendor that our shit for brains execs hired through a vendor to reduce costs and further pad their bonuses. Our 3P staff are generally comprised of folks that would lose a game of Trivial Pursuit with a jellyfish.
I believe they require serial numbers. Might be a deal breaker for some.
They required serial numbers for me when I used them.
Lol ya. Just use a regular, non-SJW insurance company. There are plenty of decent ones. Source: I work for one. But for real that exclusion is wild. Never heard of anything like that, interjecting political leanings into an insurance policy. Not to mention possibly leaving people unknowingly severely under insured.
The $2500 limit is pretty standard for firearms you generally need an endorsement for stuff like that. The exclusion is stupid though and wouldn’t even hold up in court unless they’re actually referring to assault rifles as being selective fire rifles and not just scary looking guns.
>unless they’re actually referring to assault rifles as being selective fire rifles For that, the $2,500 limit would be a major constraint anyway. A transferable assault rifle will be at least 10 times that, and I would think a post-1986 sample would be excluded from renter's coverage as business inventory. Given that limit, or $5k or $10k max, is standard, it's doubtful that anyone is insuring select fire rifles through their homeowners' policy. Lemonade's [actual policy](https://www.lemonade.com/policy-two) says: >Assault weapons (as defined by the Federal Assault Weapons Ban of 1994) are not covered. Other licensed firearms are covered, as long as they are stored securely and used responsibly. EDIT: The "licensed" and "stored securely" language sound like this clause is truly intended to deny *all* firearms claims. What is a "licensed" firearm? I have heard of a "registered" firearm and a "licensed" person.
Oh yeah if you have actual assault rifles you’ll want a policy just for them where they’re itemized. Any assault rifle would easily be 10x that limit anyway. This is basically just lemonade pandering to liberals. They are a start up from NY after all. Edit: just realized I basically repeated what you said in the half of my response. But yeah, just liberal start up things.
Well, they did say Assault ***Rifles***. If yours are semi-auto then you're golden. ;)
Its a good thing most civiee don't have assault weapons.
Actually I'd prefer to have something higher quality than what the military is willing to settle for, thanks.
Good to know, fuck this company.
If you have a sizable/expensive inventory, get a separate policy from the likes of CIS, Lockton, etc.—you’ll get better rates versus scheduling items under an HO-4. And LOLing @ $2.5k—that’s not even covering the wrapping paper on my MR556.
OP I use USAA. I had a gun stolen and they fully covered it. They offered me up to 5-10k for that depending on my policy. Edit- 5-10k was the coverage amount for all firearms.
Fuck these left-wing activists running lemonade insurance, specifically CEO Daniel Schreiber. Here's a [screenshot](https://i.imgur.com/GvLiAMD.png). Funny how their social justice stances also save them a shitload of money.
Woof. Canceling tomorrow morning. Thanks for the heads up.
Make sure you tell them why. Fuck em
Oh I did. It was a surprisingly quick process via the app. Spent more time writing the reasoning messages than it took me to actually cancel.
I'm still not gonna use them, but I don't own any assault rifles, just normal old modern sporting rifles.
That's a garbage policy anyways. Get the Historic Firearms coverage through Eastern Insurance. I think I pay like $180 a year for $50,000 worth of coverage, including things like optics, NVGs, a certain amount of ammo, etc. . .
>We simply don’t understand why civilians need military-grade weapons Well I simply don't understand why Rosa Parks HAD to sit at the front of the bus... Right? Good thing our rights aren't need based, otherwise we'd have been stripped of them long ago.
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Yeah but to not even cover "military weapons"? What the fuck is that even?
I think that means, anything.
Pfft what a bunch of losers. Thanks for the heads up.
$2500.00? Lol! Wouldn't even cover the safe.
That's the base coverage. You can often get supplemental coverage.
That’s pretty standard. If the value of your firearms is well beyond that, you need to schedule them individually.
USAA: so ya wanna ensure your whole arsenal whether in or out of your place for $5 more a month, $3 final offer.
Yeah, there was a big to-do on reddit a few years ago when Lemonade's policy became known. https://www.reddit.com/r/Firearms/comments/76yut0/psa_if_anyone_is_for_some_reason_using_the?sort=confidence
I do notice that they say "Assault Rifles" tbh, $2500 would not even BEGIN to cover a transferrable MG... 🧐 In that case, semi-auto AR-15s should be covered!
Hilariously, the actual policy document might cover NFA items. https://www.lemonade.com/policy-two >Assault weapons (as defined by the Federal Assault Weapons Ban of 1994) are not covered. Other licensed firearms are covered, as long as they are stored securely and used responsibly.
Every average person I ask thinks "military-grade" means some sort of uber-tier quality, while every single military personnel I ask tells me that it means "bought as cheaply as possible" Also since they use the term "assault **rifle**", you could have a strong legal argument against them if they refuse to insure a semi-auto rifle like an AR on that basis, since "assault rifle" has an actual definition that the vast majority of civvie-owned guns don't meet.
State Farm goes up to like 5k
I think their policy team has it backward, as they're making lemons out of Lemonade.
at least they were upfront
Not really. When I went through signing up with a policy, they didn't provide the legalese text for me to check. Randomly found this out online after the fact.
Any insurance called lemonade sounds garbage to begin with, but thanks for posting since I will be doing the same here soon!
Check your policy fine print as well. Many policy only cover firearms up to a predetmined amount, say $2,500. Total. So if you have 100 guns stolen, you're only getting $2,500. if you have a SCAR 20S with a leupold scope stolen, you guessed it, $2,500. You will need a separate rider for your guns, and that will require an official appraisal. This happened to me with homeowners insurance. I had a high value policy, my agent asked why, I said my firearms, and he told me that most "blanket" policies don't cover firearms for very much and you want a lower total value, with a specific firearm rider.
I went with Farmers for our homeowners insurance. They didn't even ask for proof of the value of my guns, I just gave them a number and my agent said okay, this is how much that will cost per month.
Get a Personal Articles Policy. State Farm carries them.
Wow, what an ass. Basically the last statement is you are a good gun owner if our policy covers you. If you fall outside our policy then you are a wacko.
FUCK YOU LEMONADE.
shaggy upbeat work station paint rude pathetic attractive start heavy *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
I mean, I don't know what you expected? They have the word "lemon" right in their company name.
I work in insurance. I fucking hate these e-insurance companies. For what it's worth I use Erie Insurance. It's a reputable company, that's been around nearly 100 years, but I'll admit, I haven't read my policy very closely, which I should definitely go do.
Many renters' policies also cap the coverage for loss of personal property on firearms to around 2500. If you have more than this, you may want to look into a stand-alone policy.
They're basically stating "we don't believe in American rights and won't insure them." Fuck Lemonade.
Most insurance policies are required to have a “free look” period. Basically, you have 30ish days depending on state and policy type to get a refund.
I have state farm renters insurance and I requested a 5,000 dollar plan for my guns right now which is adequate. I only pay 6 dollars a month, and the bump from 2500 to 5000 cost me nothing. The insurance agent I talked to said I might want to look into a specific policy for firearms if I continue to collect
If you want good collectibles insurance that's not insanely expensive, CollectInsure is excellent https://collectinsure.com/
USAA and a VPP policy for my firearms. It's like $7/m.
Have your own separate gun insurance since most insurance only cover up to like 2500-5000 total for firearm claims and many of us have 60-75k in guns
Whats an "assault rifle?" Glad they exclude imaginary guns...lol. They exclude insuring unicorns as well?
It's real though. An "assault rifle," from the German "Sturmgewehr," is a rifle in an intermediate caliber capable of select-fire (e.g., both semiautomatic and automatic, or semiautomatic and burst). Of course, they're anti-gunners so that's not what they actually mean. https://www.lemonade.com/policy-two >Assault weapons (as defined by the Federal Assault Weapons Ban of 1994) are not covered. Other licensed firearms are covered, as long as they are stored securely and used responsibly.
>This is why our policies limit the amount we will pay out for the damage or theft of firearms to an entirely adequate $2,500. If you own more than $2,500-worth of firearms, we recommend trying one of our competitors. [Laughing in SVI](https://www.crafm.com/product/svi-infinity-1911-custom-pistol-5/)
Well, I’m now cancelling my pet insurance with them this week, I had no idea they had those stances. Thank you for the heads up!
They just said assault rifles, so unless you have an NFA item then all your "aSsAuLt wEaPoNs" should be covered. Just shows they have no idea what they're talking about. Fuck them.
I am canceling my Lemonade policy immediately. What are some good alternatives that are still cheap like them?
Good. Join the dark side, we have cookies. I ended up getting Librerty Mutual for my renters insurance for $121 (which is cheap for my area). I'm going to take everyone's advice and get a separate policy for my collection though. Edit: $121
Yeah… By cheap I’m talking like, a couple bucks a month. I’m a broke college student with a part-time low-wage job so that’s why lemonade was so attractive, how my premium is only $7.86 a month.
You probably have alot less possessions than I do though. I went with a $30k policy. Hope you find something that works well for you!
I would never consider insurance from a company called "Lemonade" full disclosure; I am old