Frequently Asked Questions
Question: Are firearms the only type of collectible that this program insures?
Answer: No. Any collection of items that have intrinsic value because of age, rarity, etc. can be included in our Program. Please contact us.
Question: Does the Program cover all states?
Answer: Yes. Chubb provides coverage for all areas. Florida, California, Long Island, and other high risk areas are subject to alternative underwriting requirements. Please contact us for further details.
Question: Do I need an Appraisal on my firearms or any other collectible items own?
Answer: An appraisal is required for any one item that exceeds $50,000 in value. If you need a name of a qualified appraiser in your area, please contact us.
Question: Do I need to schedule all of my firearms and collectibles?
Answer: No, you have the option to choose between itemized scheduled or unscheduled blanket coverage.
Question: What about new purchases? When do I need to notify you?
Answer: Yes, we should be notified within 30 days on any new purchases.
Question: I travel to gun shows with some of my collection. Do I need to contact you?
Answer: No. Losses in transit are covered anywhere in the world. Our application asks about the frequency of your travel with your collections.
Question: My Collection is insured and I decide to travel to a firing range to fire some of the firearms in the collection, am I covered?
Answer: Yes, the use of firearms is recognized and allowed. However, if [for example] the barrel explodes while firing due to any form of "mechanical breakdown" or "human error in reloading" then the loss would **NOT** be a covered loss.
Question: I am a collector that buys and sells firearms. Am I eligible for your Program?
Answer: This Program is designed for Personal Collectors. As long as you are not in the Business of buying and selling collectibles, you are eligible. If you are in the Business, please see our Dealer Program.