Why do I need extra insurance
for my firearms, fly-fishing equipment, hunting
trophies or other valuables.
Aren’t they covered by my
Probably not. Most
homeowner’s policies are not designed for sportsmen
who accumulate valuable collections of firearms &
optics, mounted trophies, fly fishing equipment,
sporting art and other collectibles. Check your
policy, and you will probably be shocked to see the
coverage limits placed on different categories.
Can’t I just add my sporting
valuables to my current homeowner’s insurance?
Yes, you probably can. But in
most cases you’ll be required to provide extensive
documentation of ownership and value, including a
formal appraisal, before your valuables can be
listed as scheduled items. This will be both
time-consuming and very expensive if your collection
is a large one.
What if I’ve already
purchased supplemental insurance for my collectibles
through my homeowner’s insurance?
We highly recommend you
compare our rates to the rates you’re paying now.
Some of our clients have experienced savings of 50%
I keep my guns in a safe, and
none of the rest of my gear is something anybody
would want to steal. Why shouldn’t I “self-insure”?
The CPO Pak protects all of
your collectables against fire, theft and vandalism,
plus damage from flood, wind damage and lightening
strikes* – and any loss you experience when you’re
traveling domestically or overseas. For a very
reasonable premium, you get a lot of coverage – plus
the peace-of-mind that comes with it.
Do you require a formal
appraisal for everything I want to insure?
No, we do not require formal
appraisals. But, in the event you experience a loss
and file a claim, you’ll be required to provide both
proof-of-ownership and/or proof-of-purchase
documentation. Therefore, we highly recommend
keeping accurate records and maintaining a photo
inventory of everything you want to insure.
How do I determine the value
of my firearms and other sporting equipment?
If the lost firearm is still
being manufactured, you will be reimbursed for the
manufacturer’s suggested retail price at the time
you experience the loss. If the firearm is no longer
being manufactured, you’ll be required to provide
close-up photographs to establish its condition, and
you’ll be reimbursed at market value.
Do I have to provide serial
number for the firearms I insure?
No, not when you apply for
the coverage – only the name of the manufacturer,
model name/number, gauge or caliber and the
firearm’s condition is required. (For example:
Winchester Model 21, Skeet Grade, 12 gauge, Good
condition). But should you suffer a loss, you will
be asked to prove proof-of-ownership with serial
numbers – plus a police report listing the same if
the guns were stolen.
If I don’t have
proof-of-purchase, what documentation do you require
to prove I actually own the collectables I want to
Once again, you do not need
proof-of-purchase or proof-of-ownership to insure
the item, only when you file a claim should you
suffer a loss. We recommend taking a date-stamped
photographic inventory of everything you insure.
Take multiple shots from different angles, and
include close-ups of any customization, special
features or identifying serial numbers. Then take at
least one photo of each insured item with your
passport or driver’s license in the frame.
How do I provide
proof-of-ownership for something I inherited or
received as a gift?
For those valuables, and for
any other items where you simply did not save a
sales receipt, we recommend including them in a
time-stamped photo inventory. See the answer above.
What about the few really
priceless collectibles I own that are difficult to
determine an accurate value?
In those rare cases, we
recommend that a formal appraisal be obtained.
Why is the coverage provided
by the CPO Pak so much less expensive than adding my
collectibles to my homeowner’s policy?
Coastal Plains Outdoors has
been successful in producing the broadest and most
competitively priced sportsman firearm and
collectible insurance program on the current market.
As sportsmen ourselves, we know that we all take
much better care and precautions against loss of our
sporting gear and collectables than the average
homeowner. As a result, we suffer fewer losses than
the general population, so Coastal Plains has been
able to negotiate very favorable premiums to reflect
the lower claim rates.
Why should I buy insurance
coverage from you when I can buy similar insurance
Coastal Plains Outdoors has
been owned and operated by serious sportsmen since
1911. We own valuable firearms, fly-fishing gear,
knives, hunting and fishing trophies, sporting art
and other collectibles ourselves – so we understand
how important it is for any comprehensive policy to
be easy and affordable.
How do I sign up?
here for complete instructions and an
application. Or call 1.800.664.0222 and ask for
Travers for personal assistance.
*Some exclusions apply –
please see our “Fine