Having your firearms protected against theft or damage during moves is a smart idea for several reasons. Though it is possible that your gun safe moving is covered by insurance, the answer is a bit more complicated than a simple yes. From picking the right insurance program to taking the necessary steps to make sure it stays that way, here is all you need to know about gun safe insurance when you plan to relocate.

Why Is Insurance Necessary for Gun Safe Moving?

First of all, let’s take a good look at a few reasons that necessitate having gun safe insurance in general. Whether you’re planning on relocating or you have a remodeling project taking place and need to temporarily get your gun safe out of the way, you must have it insured for the following reasons.

Keep on reading to find out exactly what makes gun safe insurance so important.

To Protect Against Injury

The average gun safe can weigh anywhere between 500 and 1500 pounds, meaning that when you decide to move it, it’s like relocating a grand piano or a bike—only more dangerous. As such, suffering injuries due to the sheer bulk of the gun safe during the relocation process is a common occurrence. This is why it’s non-negotiable to have a good insurance program firmly in place so that any unfortunate accidents don’t lead to hefty medical bills.

To Ensure Property Security

As previously established, gun safes are large and cumbersome, and transporting them down stairwells or up several floors can be a challenging process. As such, your safe or your home can get a little banged up during the move. Having your gun safe insured means that if you do receive scratches on your property, the cost of repairs doesn’t come out of your pocket.

To Resolve Legal & Liability Issues

For all these reasons, you could get into serious trouble with the law if your movers or you face injuries or property damage during relocation. Having your gun safe insured not just covers disputes in case of injuries, but is also a legal requirement that can result in hefty fines if not complied with

How To Make Sure Your Gun Safe Is Protected

Now that we’ve established the reasons that make gun safe insurance so important, we need to make sure your gun safe is truly safe against loss or damage during your move. From insurance policy checks to detailed documentation, here’s a look at a few things you should do to guarantee your insurance covers everything.

Keep reading to learn how to ensure the safety of your gun safe.

Checking Your Current Insurance Policy

Before you move, it is a smart idea to check with your insurance provider to find out exactly the type of insurance you have, how much of the damage is covered, and what kinds of perils your insurance program covers.  For example, say your gun safe is lost or stolen during the move, you need to be aware of what dollar amount your insurance provider will reimburse. If you find that your current insurance isn’t enough, be sure to add a “rider” or a separate policy to ensure your gun is fully covered.

Documenting Everything

Next, make sure you have a detailed list and extensive pictures of the condition of the safe as well as its contents before starting the moving process. This will make it easier to file claims in case your property is damaged during the move because you will have documented proof backing you up.

Hiring Movers Experienced with Gun Safes

Finally, opting for movers backed by years of experience handling gun safes is a smart idea because it shows your insurance company that you were serious about protecting your valuables in case of damage. In addition to this, your gun safe movers will likely have their insurance program set in place, meaning if something does happen to your property, you can file a claim to their insurance provider so that your insurance premium is not affected.

Conclusion

In conclusion, keeping all the above information in mind, yes, gun safe moving is covered by your insurance policy, provided certain conditions are met. You need to understand the necessity of having an insurance program in the first place, as well as to be aware of the type of insurance you have, how much, and what your insurance providers are willing to cover.

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