Answer:

Your hunting rifles are deemed personal property under your homeowners insurance policy. If they are damaged, lost, or stolen, your homeowners insurer should cover losses in excess of any deductibles, up to the standard limit for firearms (usually $2,500). The same is true whether you own one gun or many.

Gun ownership does not affect your eligibility for homeowners insurance or your premiums. However, if you collect guns, or if you own firearms worth more than the standard limit, you may want to purchase a gun floater for your homeowners policy.

Most homeowners insurance policies also cover damages caused by the accidental use of firearms. In some instances, however, coverage may be excluded if the firearm is taken off the premises. If you're uncertain about your coverage, contact your agent to check on your policy provisions. If you want more protection than what your homeowners policy offers, you may want to purchase sporting firearm coverage, collector's firearm insurance, or gun club liability insurance. Check with your insurance agent or gun owner's association for information and referrals.