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This 6-part informational series is sponsored by Gun & Trophy Insurance, at https://bit.ly/3q0PMTU

6 Fine-Print Reasons for Insuring Your Shotgun. Part 6: Unexpected Firearm Mishaps

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The crisp air stung as we marched through the deep snow in the Colorado mountains. The landscape was breathtaking in more than one sense. Our hearts were set on bringing home a 900-pound elk bull, but the planning and work involved in the hunt were proving to be more than we expected. 

We carefully chose our method of take and landed on a scoped, bolt-action, centrefire rifle. A 300 Win Mag was our weapon of choice. We knew that to take down a beast of that size, we needed a firearm that had the energy to get the job done in a single, clean shot. 

The shot wasn't the hard part. That went as smoothly as we could have hoped. The sound of the rifle report crackling through the trees is what every hunter’s dreams are made of. 

The smell of wild game combined with the icy crunch of the leaves underfoot filled the air. We approached the kill and realized that we hadn't planned any further than this. 

What now? How do we move the bull back to camp? 

We focused our efforts toward lifting the elk into the truck, and after several tries, a whole lot of muscle, and a few pieces of plywood later, we succeeded. 

After a great sigh of relief and gleaning satisfaction, we loaded up the rest of our gear and camping supplies. It suddenly dawned on me: where was my rifle? Amidst all the excitement, I realized that I hadn't safely stored my firearm out of the weather or out of the way of danger. 

I paced the scene a few times, retracing my steps until I came upon the kill site. My 300 WinMag lay broken about 20 feet down a small rock face.  The culprit? An excited hunter, and a poorly placed rifle against a tree. The victim? A 300 Winchester Magnum with a shattered scope, broken stock and damaged barrel and trigger.

What now? Well, if you don’t have any firearm insurance, then you’re plum out of luck. You’ll be paying those damages out of pocket to repair or replace the damaged property. However, if you’re a policy holder with Gun & Trophy Insurance, then not only will your mistake be made right, but you won't have to think or worry about the cost of repair. 

Gun & Trophy Insurance will cover accidental loss or damage. We will ensure that your gun is not only repaired, but that it looks and functions just as well as it did before. Or if beyond repair, the cost to replace the damaged part(s).

Most homeowners’ policies charge between $1.50 to $1.80 per $100 in gun value. Our rate is approximately one-sixth that amount, with premiums starting as low as $115 per year. Our policy rates are fair and reasonable and it is because we believe in providing accessible coverage for the every-day hunter. 

In our blanket policies, we mentioned our privacy policy around guns and their serial numbers. At Gun & Trophy, we don’t require you to provide an exhaustive list of your firearm collection or their serial numbers. You are able to choose the package that you believe best suits your needs, and we’ll be ready to process your claims when you need us. 

We offer a tier of coverage packages depending on your needs. If your collection does not have trophies, then our Silver plan with a coverage limit of $20k or Gold plan with a coverage limit of $48k may be great options for you. However, if you are looking for a higher end policy to meet the needs of a more diverse and experienced hunter, then our Premier Policy is available to you with a coverage limit of $48k, and the added protection for trophies.

Whether you’re a skilled huntsman or a rookie shooter with your first firearm, Gun & Trophy Insurance would be proud to serve your firearm insurance needs today. 

Cole Cushman found his passion for hunting at just 11 years old. His extensive gun collection can be traced back to when he received his first rifle at 15, a Browning medallion 7mm. In 2007, Cole decided to merge his personal love for hunting with his professional career in finance by starting Gun & Trophy Insurance.

6 Fine-Print Reasons for Insuring Your Shotgun. Part 1: Unexpected Mishaps

6 Fine-Print Reasons for Insuring Your Shotgun. Part 2: When Your Gunsmith’s Shop Goes up in Flames and Your Shotgun is Inside

6 Fine-Print Reasons for Insuring Your Shotgun. Part 3: Oops! Wrong Ammo

6 Fine-Print Reasons for Insuring Your Shotgun. Part 4: My Shotgun Was Stolen From the Car

6 Fine-Print Reasons for Insuring Your Shotgun. Part 5: Issues with Trophy and Gun After Hunt

Cole Cushman

Cole Cushman found his passion for hunting at just 11 years old. His extensive gun collection can be traced back to when he received his first rifle at 15, a Browning medallion 7mm. In 2007, Cole decided to merge his personal love for hunting with his professional career in finance by starting Gun & Trophy Insurance.