Owning a farm or ranch is a commitment to preserving a piece of your agricultural heritage. Alongside the farm equipment, livestock, and acres of land, many farm and ranch owners also possess firearms. While homeowners insurance policies cover guns on personal property, it is important to understand how those policies work to ensure you are adequately covered.

Guns and Homeowners Insurance

  • Standard homeowners insurance policies typically provide limited coverage for firearms, which may include protection against theft, fire, or vandalism. However, this coverage may be subject to a cap which does not adequately cover high-value or collectible firearms.
  • Given the unique nature of firearms, you may need to consider additional coverage. This can be achieved through a scheduled personal property endorsement or a separate firearms insurance policy. These options allow you to insure your guns for their full appraised value.
  • Liability coverage under homeowners insurance extends to cover personal injury or property damage claims that result from various situations, including accidental discharges of firearms. Always verify the limits of your liability coverage and obtain additional coverage if needed.
  • Insurance providers may have specific requirements for the storage and security of firearms. Implementing safety measures such as gun safes, trigger locks, and alarm systems can not only help prevent accidents but also demonstrate responsible ownership to your insurance provider.
  • Familiarize yourself with local laws and regulations governing the ownership, storage, and use of firearms. Compliance with these regulations is not only essential for legal reasons but may also impact your insurance coverage.

Tips for Farm and Ranch Owners

  • Keep a detailed inventory of your firearms and consider getting them appraised to ensure you have enough coverage.
  • As your collection changes or grows, be sure to update your insurance coverage accordingly.
  • Consult with your insurance provider to better understand the specifics of your coverage and explore additional options.

Owning firearms on your farm or ranch is a responsibility that requires thoughtful consideration, not only for safety but also for insurance purposes. By understanding the nuances of homeowners insurance and how it relates to guns on personal property, you can take proactive steps to ensure you have the right coverage in place. Remember, open communication with your insurance provider is key to safeguarding your farm, ranch, and possessions.

With more than 55 agents and 60 locations across the state of Montana and northern Idaho, Farmers Union Insurance is equipped to guide you in important insurance decisions to protect what matters most to you.  To find your local agent, click here.


Disclaimer: The content provided in this blog is for informational purposes and should not be considered an offer for coverage. Each insurance policy is unique and may have varying terms, conditions, and exclusions. It is essential to consult with a qualified insurance professional or licensed agent for personalized advice tailored to your specific needs. This blog does not constitute a contract, policy, or guarantee of coverage. Always refer to your individual policy documents for full details.