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?

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u/RelativeFox1 Mar 19 '26

My house had $14,000 worth of stuff stolen. Lamps, meat, cheese, clothing, blankets, jewelry, electronics, firearms, you name it. I put the 2 firearms on the list of items, insurance paid me the depreciated value just like everything. I took that money bought them again and they paid the difference. They even bought me new trigger locks. They were a Winchester sxp defender ($450) and a marlin 795 ($275?) and a $40 scope.

Things I learned, ask if there is a limit to any items. In my case there was a $5,000 limit to collections unless it had been arranged prior. Have your jewelry appraised periodically.

The police and insurance did not care firearms were stolen.

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u/OkBurner777 Mar 19 '26

I’ve heard the same for stolen NR firearms. They don’t care much.

They seem to perk their eyes and ears up if they’re R’s though

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u/RelativeFox1 Mar 20 '26

This officer didn’t care about anything.

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u/OkBurner777 Mar 20 '26

Yeah, a (very well off) family friend had a Ram 3500 back into his house, tie a chain around his gun safe, and make off with 15-20 NR’s and R’s (from back in the AR days). Expensive stuff too.

They said “oh well they’re prob in Kelowna now”.