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FAQ’s:

Q.

Why do I need extra insurance for my firearms, fly-fishing equipment, hunting trophies or other valuables.

Aren’t they covered by my homeowner’s policy?

A.

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.


Q.

Can’t I just add my sporting valuables to my current homeowner’s insurance?

A.

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.


Q.

What if I’ve already purchased supplemental insurance for my collectibles through my homeowner’s insurance?

A.

We highly recommend you compare our rates to the rates you’re paying now. Some of our clients have experienced savings of 50% or more.


Q.

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”?

A.

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.


Q.

Do you require a formal appraisal for everything I want to insure?

A.

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.


Q.

How do I determine the value of my firearms and other sporting equipment?

A.

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.


Q.

Do I have to provide serial number for the firearms I insure?

A.

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.


Q.

If I don’t have proof-of-purchase, what documentation do you require to prove I actually own the collectables I want to insure?

A.

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.


Q.

How do I provide proof-of-ownership for something I inherited or received as a gift?

A.

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.


Q.

What about the few really priceless collectibles I own that are difficult to determine an accurate value?

A.

In those rare cases, we recommend that a formal appraisal be obtained.


Q.

Why is the coverage provided by the CPO Pak so much less expensive than adding my collectibles to my homeowner’s policy?

A.

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.


Q.

Why should I buy insurance coverage from you when I can buy similar insurance from others?

A.

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.


Q.

How do I sign up?

A.

Click 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 Print”.

 

 
CONTACT US:

Email: [email protected]
Phone: 800.664.0222

Address:
15 Bow Circle, Suite 100
Hilton Head Island, SC 29928
U.S.A.



 

 


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