Exactly where I’m at.
I think it’s ridiculous, and it might not happen, but I felt like I had already asked too many questions.
When they said no off road I countered with how about full coverage agreed value on road and no coverage off road and they specifically stated that they have gone back and found evidence, he specifically said Facebook pictures, of people off roading and the on road claim was denied and they were immediately cancelled. Just one dude on the other end of the phones story, but he seemed to understand off road stuff.
They seem to be very uptight about it.
I asked my agent about that concerning guns, and he said yes you’re covered. I asked for more details and I was covered to the tune of $2000. I snorted at him over the phone. That’s like 2 glocks and a couple of rifles, and I don’t even really like glocks I’m a trigger snob.
I did an inventory and then took the advice from INGO and got insurance from Eastern/Gallagher for dirt cheap, great coverage and no serial numbers sent to them.
Their minimum is about what I needed for guns and optics.
All that to say, they want to keep you.
Ambiguity is their friend, and their art form.