Private Gun Sale Guide — 2026

Gun Insurance
Complete Guide 2026

Does your homeowner’s insurance cover your guns? What gun-specific insurance offers. The complete 2026 guide.

Firearms Insurance

Gun Insurance — What You Need to Know

Most gun owners assume their homeowner’s insurance covers their firearms adequately. Most are wrong. Standard homeowner’s policies typically limit firearm coverage to $1,000–$2,500 — far less than the value of even a modest collection. Here’s what you actually need.

COVERAGE TYPE	TYPICAL LIMIT	WHAT IT COVERS	WHAT IT DOESN’T
Standard Homeowner’s	$1,000–$2,500	Theft from home	Mysterious disappearance, range loss, transport
Homeowner’s Rider	Depends on policy	Additional coverage if declared	Usually requires appraisal, high premiums
Collectibles Insurance (Chubb etc)	Full appraised value	Theft, damage, mysterious disappearance	Usually requires professional appraisal
USCCA Coverage	$5,000 guns + $250K self-defense	Legal defense + gun coverage	No collection-specific scheduling
NRA Armscare Plus	Full scheduled value	Theft, mysterious disappearance, transport	Must schedule each firearm
Collectibles Plus (various)	Full appraised value	Everything above	Highest premiums — appropriate for $50K+ collections

Document Before You Insure — GunVault.co

Any insurance claim requires documentation: serial numbers, photos, purchase prices, current valuations. GunVault.co stores all of this digitally, accessible from any device even if your home is destroyed. Use gunprice.com/ for current valuations to determine how much coverage you actually need.

FAQs

How much insurance do I need for my gun collection?

Add up the current private sale values of all your firearms using gunprice.com/. Your insurance coverage should equal this total value. Most collectors discover they’re significantly underinsured when they do this exercise.

The Complete System