The policy has the usual clauses such as no coverage for wear and tear and no coverage if a gunsmith or anyone screws up a gun by botched restoration attempts or repairs. The biggest one I saw
was no coverage if gun stolen while in an unlocked auto or a locked auto with no security system active.
That does seem to be a fantastic rate because the average I see is in the 400 range for that much insurance. I owned a Nationwide Agency and their rates were about the 400 range and they really didn't like to insure guns (at least the PIA underwriter that I had!) From what I found out, AXA is the real deal and I am going with them.
