Many households in Parkersburg, WV possess firearms. It is, therefore, no surprise that the question of whether or not they are covered in home insurance comes up. Since firearms are costly and dangerous, homeowners have the responsibility to know what policies, if any can cover them in case of loss, damage or injury to another person. Curtis Miller Insurance will help you find an insurance cover.

Under basic home insurance policies, guns are considered personal property. They are, therefore, insured as such. Different companies cover different perils for example theft or damage by fire. Some companies offer a wider coverage than others. It is, therefore, advisable to find one that best suits your needs.

Guns can be dangerous. You may accidentally cause property damage or bodily injury. Liability insurance protects you in case you destroy property or hurt someone else with your gun.

If you feel that your insurance policy doesn’t cover you sufficiently, you may seek additional coverage. Most companies offer personal property riders for firearms. They cover you for certain perils that are not covered in the home insurance policy.

You may also find stand-alone policies that cover firearms. Such policies are usually customized for specific customer needs. They are, therefore, likely to offer more personalized coverage.

Guns generally come with a lot of responsibility. The following are some guidelines for safe gun handling;

• Store guns away from unauthorized people
• Ensure that your gun is safe for operation
• Unload guns before storage
• Learn how to use guns safely
• Only shoot when sober

At Curtis Miller Insurance, we offer quotes for the gun and other insurance policies. Our knowledgeable and independent agents place the needs of clients first. We help you find a policy that best works.

Call or visit us in Parkersburg, WV to speak to an agent.