At 1776 Insurance, we specialize in providing comprehensive coverage tailored for firearms and related accessories. Our policies offer protection against:

• Accidental breakage

• Burglary

• Fire

• Flood (excluding Zones A & V)

• Loss in the mail

• Natural disasters

• Theft

• Other causes of loss, unless specifically excluded from the policy
  
  

We also provide coverage for items temporarily away from the scheduled location, including during travel, exhibitions, and while in storage facilities (additional premium may apply). Our policies are designed to be more affordable than typical homeowners’ policies, with deductibles starting at $0 for collector policies. We have been protecting collectible property since 1966, and firearms and accessories since 2010, backed by a carrier rated “A” (Excellent) by AM Best.

Our coverage is specifically designed for:

• Guns

• Knives

• Hunting accessories
  
  

We focus solely on these categories to ensure expert-level protection for responsible firearm owners.

While standard homeowners or renters insurance policies typically provide limited coverage for firearms, 1776 Insurance offers specialized protection that includes:

• Higher coverage limits

• Protection at home and away — including travel, exhibitions, and transit

• No requirement for appraisals for most items

• Deductibles starting at $0 for collector policies

Our approach ensures your firearms and accessories receive the focused protection they deserve — without gaps or generalization.

Our policies are designed to be more affordable than scheduling your firearms under a homeowners’ policy. While pricing depends on the total value and any additional options you select, many firearm owners find our coverage starts at $75 a year, all while providing exceptional peace of mind.

For most items, no appraisal is required. You are responsible for maintaining your own inventory, including item descriptions, values, and photos. Only individual items or sets valued over $25,000 each must be specifically scheduled.

Yes. We offer a Dealers Insurance policy designed to protect dealer inventory as well as client-owned firearms in your possession. This plan includes the same robust protections as our individual coverage, with terms structured for professional use.

In the event of a loss, contact our team at 888-837-9537, Monday through Friday, from 8:30 a.m. to 6:00 p.m. ET. Our experienced adjusters understand the importance of your firearms and will work quickly and professionally to resolve your claim.