r/canadaguns • u/otowndowno • Mar 19 '26

Misc Firearms and house insurance

Anything special to consider? Do you have some/all of your firearms included as scheduled items?

14 Upvotes

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96

u/real_draft Mar 19 '26

Rule of thumb, the fewer people that know you have firearms, the better

25

u/ProtoJazz Mar 19 '26

That's fine in some cases, but doesn't really work if you're actually hoping to get paid out by insurance. If it's a requirement from them, either declare them or don't. Just don't expect coverage if you don't.

10

u/No_Catch3545 Mar 19 '26

Depending on your province, it's illegal for them to deny your claim for something completely unrelated to your nondisclosure.

4

u/ProtoJazz Mar 19 '26

They might not deny the claim, but they may not cover the full amount of non disclosed items over a certain value.

The other common one I've seen is just a flat max amount for certain categories of things