Home Forums Hunting & Shooting Hunter's Campfire Homeowners insurance and reloading

Anyone have any recent experiences dealing with getting homeowners insurance with reloading supplies in the home? After googling it i see answers ranging from no way,to a 7lb limit on powder, to not a problem.

How does the insurance company know you have it?

This. Its none of their damn business and why would anyone disclose that info?

They send snoops who take pictures of every room in your home.

Never happened to me or anyone I know.

I have switched home owners insurance numerous times and that has never happened one time. We just switched again. Only thing they looked at was the outside. Never inside! Find new insurance company

Same. They have looked at the exterior of my house 1 time in the last 27 years.

Twice for me. I hate that crap. Didn't know I had a choice if I wanted a policy.

What??

They do a walk around the outside and check the roof every couple years, my man told me last week they never come into the house unless there is a claim filed.

So i guess their going to send an appraiser out, and i just assumed they would come inside?

I have never been asked just like I have never been asked if I have gas cans and solvents in my garage

I have been asked about firearms and jewelry wanted to sell me an additional policy

Damn! Next time they want inside, I'm going to tell them what they can do.

Because they're a dumbass.

Don't be your own enemy. Geez.

You bet cha. It will depend on the company and state. My agent toured the home and had no concerns as I was under the State Fire Marshal’s recommendation.

I get driving by to check the roof, trees, power lines, fire hydrants, swimming pools etc. You're not getting inside. Over my dead body.

In spades.....

Until you have a major claim: fire, tornado. Then the contract, fine print, will take over.

WTF is that supposed to mean? I haven't told anyone schit. If they plan on touring the home, then they're going to see it. I'm simply asking people who have dealt with it somewhat recently how it was handled.

You own your house, the only way they get inside Is if you let them in.

They have no say in the matter. They may say "Then we won't write a policy" . All you say is have a nice day I'll call someone else.

That’s it, that’s how it’s done

Which would happen with or without pictures.

If I was really concerned - hide the reloading powder and let them take the pics were I not willing to exclude them from the house. 99/100 appraisers aren't even going to know what it is. The policy is not going to be bespoke to your home regardless - with the exception of coverage amounts. Read the policy then before saying "yes" if it bothers you.

I'd say the appraiser's job is to primarily assess if the house is as describe with regards to roof age/condition, large obvious hazards like swimming pools, fences (expensive to repair), that river in the back yard you neglected to mention, the neighborhood's crime rate etc. They're not checking cabinets to see what kind of cleaners you own or if you're keeping large quantities of explosives/accelerants under the sink.

I was thinking after an event, claim filed. Won't be appraisers, but adjusters, investigation. What if they discovered after the fact that you had powder, etc., outside the limits of the contract? Insurance companies, being what they are, will look for any loophole to deny a claim.

I have had State Farm, Farmers, and Allstate, and none ever asked to come into my home. Exterior inspection only.

This.

Yep but end of the day - you need to read your contract/policy. Mine doesn't say a single word about it in there. In fact - the contract is basically about the limits - financially, not any exclusions other than it being a private residence, not commercial, no need for flood insurance given where I live . That and my umbrella coverage being added to the premium.

I don’t even know what an insurance “appraiser “ is.

I know what an insurance Adjuster is.

I know what a bank/mortgage company “appraiser” is.

I know what a Home Inspector is.

What the hell is an insurance “appraiser “.

When I seek homeowners insurance, I want the Max Amount of coverage allowed. If they try and sell me a policy for $400K and I know it will cost way more that that to rebuild, I demand more coverage or I walk.

The Insurance industry is famous for underinsuring homes under the guise of “reasonable rates”. They could give two schits what your actual replacement costs are, or what is inside your home , as long as they keep you underinsured.

I can’t tell you home many home owners that have losses way above their Policy Limits and are left with a Yuge out of pocket bill, or nothing but rubble clean up.

Fire and engineering: three legs of stool.

Oxygen air supply
Fuel - flammable material/ accelerant
Ignition source

They are trying to determine risk and severity of fire, should there be a fire.

In the UK there are laws controlling the amount /ass of flammable - explosives that maybe stored, how they are stored away from buildings etc. for home there are limits to how much can be stored in how think it is sixty pounds or kg equivalent. A lot by UK standards maybe not souch by Texas 🙂

Btw technically, at least in UK, reloading powders are accelerants, not explosives due to rate of reaction / formation of gas pressure wave.

Maybe when I first bought my house, but it was empty.

Ask them why. It could be a risk specific to your area. But I would ask why for sure.

It was probably Jewish feds disguised as insurance agents scoping out TRH’s abode looking for classified documents on the holocaust.

Let me Google that for you

There. That wasn't difficult, was it?

Not mine.

They've never been in my house. Came and took pictures of the outside once. That's it.

Me neither, in 40 years of having HO insurance. Roof, general outside inspection maybe.

LOL.

From your cool little linky.

What Is an Insurance Appraiser and What Do They Do?

When a policyholder files an insurance claim, their insurance company must assess the reported damage or loss to determine how much they are responsible for paying. Insurance companies often send an insurance appraiser to investigate, evaluate and settle these insurance claims.

Psst, hey dumb ass, that is an “Insurance Adjuster”, After a loss, not when purchasing a policy, Yuge difference.

Nice try Dumb Ass

Having been an agent/broker for 35 years, perhaps I can offer some insight.

I know of no insurance companies that will ask about reloading supply's, or that will not insure a home with a reloader in it.

There are most likely local town ordinance's that limit how much powder we can have in the home, but, for example, in a fire, who's to say you had more than the town's limit?

There are insurance companies that require an inside inspection, especially for home with a replacement cost of $1,000,0000. The higher the home's value, the more likely the insurance company will demand an interior inspection, and, not by me. They will send their own guy.

Just last year, one of my companies now requires that I go inside the home and take pictures, just to get a quote., and this is on any price home, condo or townhome!

To steve4102's point 'The Insurance industry is famous for underinsuring homes under the guise of “reasonable rates”. They could give two schits what your actual replacement costs are, or what is inside your home , as long as they keep you underinsured.'

That is an ignorant statement, but ignorance can be fixed with education.

It is in the insurance companies best interest to be as sure as possible, that your home is insured to replacement cost. The rates are based, in large part, to the amount of insurance on the home, i.e., the higher the replacement cost, the higher the premium, so the more money an insurance gets

There can be multiple reasons why a home is under-insured, and here are a few examples: the owner finishes the basement, and doesn't tell his broker, the home owner adds a 2nd story or a wing, and doesn't tell the broker, the broker doesn't do a periodic review of the clients needs to find these things out, among others.

All the insurance companies I work with automatically increase the amount of insurance on a home each renewal. Is that enough of an increase to keep pace with rising costs? Did the homeowner do any upgrades during the year?

I have a client that both are Doctors, and they were remodeling a 2nd home they have in Aspen, CO. The client made sure to tell me the granite they were using came from the bottom of The Dead Sea, and not Granite, CO. He wanted to be sure he had enough coverage, which highlights steve4102 point of demanding to have enough coverage, and I agree with this.

Keep in mind adjusters are trained to re-underwrite a property when they are on a claim and give their findings to the underwriters. The underwriters will compare the adjusters information with what I put on the original application and may adjust the policy accordingly.

In 22 years, our Farm Bureau agent has been to my house twice. We talked in the driveway.

My best friend is one of their Adjustors, but he has more powder than I do.

I sometimes wonder how some on the ‘Fire get in these situations…….

Fuqk the reloading supplies... HIDE THE WOODSTOVE!!!

My agent also told me last week, thats Southern Farm Bureau, that if you have more than 5 trees on your property, they will not write a policy. But everyone that has a policy is grandfathered it, there has been that much tree/house damage over the last couple years. I have 5 acres in the country, I'd be screwed.

Ugh - that's nuts. I get it but also - man, hard.

I went back and forth with mine last year because my policy is "full replacement" for the roof etc and my roof was way old. They wanted me to put a new one on so they felt better about spending the money. lol.

My homeowners ins is 867 a year. Don't know if that's expensive but it is what it is.

Farm Bureau of Tenn has never stepped foot in my home.

That’s a n a Need to Know basis and they don’t need to know

Although, I feel like maybe they should inquire, they wrote me a 400,000k policy. They do come out and walk around the outside. A pile of 10-12 deer stands in the front yard might clue them in. Maybe my agent still thinks ai bowhunt. 🫠

The Tax Assessor seems to have more of a vested interest into ‘their asset’ than the insurqnce co.
Might come a day the assessor has a hissy fit about gunpowder, chemicals, fuels on the property. Bless their hearts

3000-15,000 per year average. Mines 2200

Just one more example of why the UK has become a schithole .

“To steve4102's point 'The Insurance industry is famous for underinsuring homes under the guise of “reasonable rates”. They could give two schits what your actual replacement costs are, or what is inside your home , as long as they keep you underinsured.'

That is an ignorant statement, but ignorance can be fixed with education.“


You just summed up 95% of Stevie’s posts.

Read the whole result, you imbecile. If you can.

They'd get a GFY and escort off the property here.

Why would an insurer even know this?

That's it. YOU are the king.

If there's one thing I've been a total bastard about in my life, It's about people letting someone into my properties without my approval.

I tell tenants and workers straight up, If you let someone in this house without my permission, YOU ARE GONE.

Some states/locals have restrictions.

Assuming NFPA stands a good chance of coming in to play in other areas.

https://www.alliantpowder.com/getting_started/safety/storage_handling.aspx

THAT!

So, they only cover homes in rural KS.?? Geeeeezzzzzzzzzz.. I would drop them like a molten-hot spoon..

Can’t let them in my house, it’s too dangerous.

Florida may be more restrictive, and there aren't a lot of options.

I would bet on it with him.

I would never give them that info in the first place.

The only time they’ve been to my house was when it needed a new roof. I had a claim for water damage inside once and they didn’t even want pictures.

Similar issues.

https://nicevilleinsurance.com/blog/fireworks-and-homeowners-insurance

Don"t know about these situations
Saying that last week I paid my bi annual homeowners premium $800+ in person with certified cashier's check. 3 days later the the receptionist / clerk at Farm bureau calls to inform me that farm bureau would send out an inspector within 90 days to inspect. I told her there is a no trespassing sign on the gate post and that's damn well what it means. I told her they do not have any permission at all to come on my property and if my agent has a problem with that to call me. No calls so far but I ought to be shopping for better rates anyway. Mb