@rookhawk - I’m not familiar with “AJ Gallagher Insurance” and the information you shared is helpful. Their premiums seems so low it’s “almost too good” - have you ever had them payout a Claim? Or know someone that has? The insurance companies I’ve looked into require an “estimate” be provided for any firearm of value —-if I read your post correctly that is Not required by AJ G if “worth less then $10,000” ? Certainly the best policy I’ve heard of and if they have a good record of actually “paying out claims” …they move to the TOP of the List. Thanks for posting
"Arthur J. Gallagher & Co. (AJG) is an American global insurance brokerage and risk management services firm headquartered in Rolling Meadows, Illinois (a suburb of Chicago). The firm was established in 1927 and is one of the largest insurance brokers in the world."
I've never had to give them an appraisal, even when I've insured a $40k+ firearm, I gave them a write-up and the serial number and they said "okay". Under $10k requires no scheduling on the policy.
Yes, I have had two claims in 15 years and they paid out quickly with no troubles whatsoever. Both claims were due to shipper damage in transit, once for a take-apart Mannlicher and once for a British Double Rifle.