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Gun insurance helps protect firearms and bows.

Get coverage for your items with a Valuable Personal Property, or VPP, policy.

Restrictions apply. This policy is only .

You can get VPP insurance for your guns and bows in most U.S. and international locations.

In Wisconsin, we offer a new policy in place of VPP called Personal Property Plus.

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What’s gun insurance?

Gun insurance is part of what we call VPP insurance. It helps protect your firearms, bows and equipment beyond what a homeowners or renters policy covers. Plus, there’s no deductible.

How it works

In general, you give us a detailed description of each item and tell us what it would cost to replace it.

High-value guns, bows or equipment may need a receipt, an appraisal or other documentation to show proof of ownership and value. You can insure one item or many, and limits start at $100.

What does gun insurance cover?

We cover personal firearms, bows, and their associated equipment, gear and accessories. Here are some examples.

  • Handguns, rifles and shotguns
  • Paintball guns, Airsoft guns and BB guns
  • Scopes, magazines and holsters
  • Gun cases and gun safes
  • Bows and crossbows
  • Bow and crossbow optics, lights and releases

Examples of claims covered by gun insurance‍ ‍

Theft

Your Airsoft gun is stolen after a competition.

Drops and breaks

You accidentally dry fire your bow and it snaps.

Lost items

Your child leaves their paintball gun at the park.

Does homeowners or renters insurance cover guns and bows?

A typical homeowners or renters policy covers theft. But it limits how much you can get for stolen items.

A VPP policy provides these benefits you won’t get with homeowners or renters:

  • You’ll never pay a deductible.
  • You're covered for drops, breaks and lost items.
  • Your things are covered at today’s replacement cost.‍ ‍
  • If you report a VPP claim, you won’t pay a higher premium the way you might with homeowners or renters insurance.‍ ‍

How much does gun insurance cost?

It depends on your items, their value and how much coverage you get.

Our VPP rates start as low as $2 a month.‍ ‍ Plus, we offer savings on auto, homeowners and renters insurance when members bundle their policies with VPP insurance.‍ ‍

What if I have a gun with historical or artistic value?

You may want to consider adding VPP fine art insurance for guns with historical or artistic value.

You’ll also want to make sure it’s well documented with an appraisal and any other receipt or proof of value and ownership.

Learn about art insurance

What else can VPP cover?

You’ve got other important belongings, so let’s get them covered too. VPP insurance includes these categories:

  • Jewelry and smartwatches
  • Cameras
  • Fine arts
  • Musical instruments
  • Stamps and coins

Gun insurance FAQ

Replacement cost is the value to replace the item you lost with another item of like kind and quality.

We determine the amount we’ll pay when you file a claim, up to your policy limit. Some exceptions or conditions may apply. Check your policy for details.

Here are some examples of items that aren’t included:

  • Ammunition
  • Arrows
  • Axes, knives and other weaponry
  • Binoculars
  • Clothing and clothing accessories
  • Footwear
  • Reloading or bullet-making machines

We’ll need the following information for your gun or bow, as well as any accessories.

Gun or bow

  • Type of item (for example: rifle, handgun, shotgun, long bow, compound bow or crossbow)
  • Manufacturer’s name
  • Model name or number
  • Caliber or gauge (not applicable to bows, crossbows, paintball guns or Airsoft guns)

If available, also provide:

  • Serial number
  • Action type (such as lever action or bolt action)
  • Barrel length
  • Finish (such as black-blue matte, nickel or stainless)
  • Grip material (such as wood, rubber or plastic)
  • Manufacturing date
  • Any customizations, engravings or inscriptions

Scopes (if applicable)

  • Manufacturer’s name
  • Model number
  • Magnification
  • Serial number, if available

Gun and bow accessories (if applicable)

  • Type of item
  • Manufacturer’s name
  • Model name or number
  • Serial number, if available

If you purchased the item within the last five years, provide the purchase date.

If you’ve owned the item for more than five years or inherited it, and it’s still being manufactured with current pricing available, provide:

  • How the value was determined (such as the retailer’s or manufacturer’s listed price)
  • Name of the retailer or manufacturer
  • Date the value was determined

If you’ve owned the item for more than five years or inherited it, and it’s no longer manufactured, provide a valid appraisal.

You don’t need documentation to get a quote, but you may need it to purchase a policy or report a claim.

The type of documentation you’ll need depends on how long you’ve owned the item.

  • Purchased in the past 5 years: Valid bill of sale
  • Owned longer than 5 years or inherited and currently being manufactured: Retail or manufacturer pricing
  • Owned longer than 5 years or inherited and is no longer being manufactured: Valid appraisal

Protection for your guns and bows

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Related footnotes:

  1. IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Related footnotes:

  1. The coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.

  2. With replacement cost coverage, at our option, subject to policy limits and policy deductible, if you actually replace the property we will pay you the lesser of our cost to restore, repair or replace the damaged property or the amount you actually spent to restore, repair or replace the property. Coverage applies to damage or loss due to events listed in your policy.

  3. Claims made under a USAA VPP or USAA Personal Property Plus policy will not result in a claims-related surcharge or loss of claims-free discount on other existing USAA insurance products.

  4. Based on an annual policy term and the minimum chargeable premium. Actual premium will be based on location, coverage type and amount of insurance selected. Certain locations may be subject to insurance premium tax.

  5. Multiple product savings do not apply in all states or to all situations. Savings subject to change. Restrictions apply.

Related footnotes:

  1. Coverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.

  2. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

  3. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, USAA County Mutual Insurance Company, USAA Falcon Property & Casualty Insurance Company, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA EU DAC UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

    Learn about USAA's use of Artificial Intelligence.

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