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Most homeowners, renters and auto insurance policies limit their protection for guns, leaving you with some serious gaps in your firearm coverage. We believe that owning a gun is an essential right and protecting your firearms is critical as a responsible gun owner.

At Lockton, we deal with firearm-related claims every single day, from the mundane to the outrageous, from city dwellers to rural residents—and everything in between. Unfortunately, many people do not realize their current policies don’t cover real-life situations. Do you have the right insurance for your collection? Do you know what your policy does or does not cover? Here are some real-life claim stories that give an insight into why firearm insurance is a good idea.

Theft from vehicle:

Bill had his locked truck in a public parking lot, his window punched out, and his firearm stolen out of his vehicle. He tried submitting a claim through his homeowners’ insurance only to discover they would not cover the loss. Fortunately, Bill had ArmsCare Plus coverage to help cover the cost for the theft of his gun.



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