Do You Need Special Insurance for Double Rifle Ownership?

Ownership Considerations

When purchasing a double rifle, especially one designed for dangerous game, it’s essential to consider the value of the firearm and its potential liability risks. Double rifles can be highly expensive, with some models costing upwards of $10,000. Additionally, if you plan to use your double rifle for hunting large game, there’s a risk of property damage or injury to others. In these cases, you may want to consider purchasing separate insurance coverage for your firearm.

Insurance Options

There are several insurance options available for high-value firearms, including collector’s insurance and specialty coverage for hunting rifles. Some insurance companies offer policies specifically designed for double rifles, which may cover accidental damage or loss. When shopping for insurance, look for policies that cover your double rifle’s value, as well as any additional costs associated with hunting or transporting the firearm. For example, a policy might cover the cost of replacing the rifle, as well as any related equipment or accessories.

Liability Considerations

In addition to insuring your double rifle itself, it’s also essential to consider liability insurance if you plan to use the firearm for hunting. This type of insurance protects you in the event of an accident or injury to others. Some insurance companies offer liability coverage as part of their hunting insurance policies, while others may require you to purchase a separate policy. When shopping for liability insurance, be sure to ask about coverage limits and any exclusions or deductibles that may apply. For example, a liability policy might cover up to $1 million in damages or injuries, with a deductible of $1,000.