Comprehensive Gun & Trophy Policies for Hunters, Sportsmen, Competitors, Collectors, and More
Since 1981, the Cushman Insurance Agency, Inc. has been serving clients worldwide from Chantilly, VA – a little city just outside of the Nation’s Capital.
Partnering with The Hanover Insurance Group, we represent thousands of individuals across the country, operating as an independent insurance agency.
We are a family-owned and operated business that has been blessed
to combine our passion and our profession.
Types of Coverage Offered
Worldwide insurance for guns, trophies, and hunts. Enjoy the same low rate for coverage, including theft, flood, earthquake, and terrorism. Policies start at just $115 per year for $20,000 of coverage. Larger collections benefit from lower rates ranging from 14 cents to 31 cents per $100 per year.Why Gun & Trophy Insurance?
The Cushman Insurance agency was founded in 1981, and since that time, we have represented thousands of clients across the United States. Partnering with The Hanover Insurance Company allows us to offer coverage to gun collectors, competitive shooters, historical reenactors, tactical shooters, hunters, and more.With Gun & Trophy, you can rest assured that you’re purchasing better insurance at a great value with a more specific contract.
If you need gun insurance, trophy insurance (which includes the value of the hunt), or a combination within one policy, trust Gun & Trophy to provide flexible coverage at an affordable rate.
Gun Coverage
Insurance Provided by the Award-Winning Hanover Insurance GroupMany gun owners believe homeowner’s policies provide adequate coverage for firearms; however, it’s easy to miss that most policies limit coverage for the theft of guns to a maximum of $5,000. Total. Not for each gun.
Your homeowner’s insurance protects you for all perils insured against under your “Coverage C” – also known as unscheduled personal property. This means that your guns are covered under a “replacement cost” or “actual cash value” basis. As long as the guns are not stolen.
Check Your Current Homeowner’s Policy
Search your existing policy for “special limits of liability for coverage C unscheduled personal property.” In that section, you will probably find that the amounts payable under the policy for the peril of theft are restricted.
Most homeowners don’t realize that the items listed and affected are the most highly targeted by burglars: guns, cash, precious metals, fine art, jewelry, furs, and other expensive items.
That $5,000 cap applies to all of these unscheduled “personal property items.” Now you know.
Check out the differences
Adding a Separate Gun Policy
Insurers are facing increasing pressure to address liability for gun use, potential gun loss (or theft), and, as a result, they are aware of the homeowner’s liability in owning a firearm.
An increasing number of liability lawsuits have targeted gun owners who have had handguns stolen from them. Allegations that people have “failed to protect the public” and/or were “negligent” in securing their weapons have started when violent crimes are committed.
Then there’s cost. Most homeowners’ policies charge between $1.50-1.80 per $100 in gun value. With Gun & Trophy Insurance, you’ll pay less. Much less.
Blanket Gun Coverage Limit $10k / $5k max per item (Lead)
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Blanket Gun Coverage Limit $10k (Bronze)
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Blanket Gun Coverage Limit $20k (Silver)
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Blanket Gun Coverage Limit $48k (Gold)
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Scheduled Guns, Trophies, and/or Blanket Coverage Over $48k (Premier)
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Trophy Coverage
The Best Hunting Trophy Coverage Offered in the U.S.A.Your hunting trophy collection represents a lifetime of memories, dedication to, and achievement – protect it.
Homeowners insurance provides blanket coverage for many trophies; however, it doesn’t offer reimbursement for the actual cost of your hunt.
Revisit Your Hunt
While a picture and a check from your insurer may “make you whole” from the loss of your magnificent Argali. The hole over the fireplace where its huge head used to look over your living room can’t be replaced, nor can the memories… or can they?
The Argali is one of the 350+ animals that Gun & Trophy provides coverage under our trophy policy. And while we can’t turn back time, we can pay the majority of the cost to send you back to the Altai Mountains in Central Asia for another shot!
Review Full Trophy List
Guns & Trophies – Covered in One Policy
Gun & Trophy Insurance is modern insurance for the game hunter.We proudly partner with The Hanover Insurance Group. We represent thousands of individuals across the country and operate as an independent insurance agency for U.S. Citizens seeking coverage for the things that matter to them.
Premier Policy
Obtain Custom Coverage
The Premier Plan is a robust and tailored way to acquire insurance for your guns and/or trophies. It allows you to obtain a higher level of blanket coverage, to schedule your guns, and to insure your trophies (including the cost of the hunt!). This means you have flexibility and the ability to customize the coverage you need.Coverage Explanation
This policy is designed to address the more complex needs of shooting enthusiasts. We recommend either the Silver or Gold Policy if you do not have trophies, if your collection is valued under $48k, if your individual guns and accessories are under $10k, or if you prefer not the schedule guns on your policy.The Premier Policy proves a flexible and specific way to obtain blanket coverage for collections, to schedule guns, and to cover trophies. When you begin your application, you will be able to customize your coverage and select a deductible that will calculate your premium based on your coverage selections. The annual premium begins at only $150, plus a nominal administrative fee.
Blanket Coverage
In the Premier Policy, individual items will be covered up to a maximum of $10k. Blanket coverage guns are not scheduled. This means you do not need to describe the gun or provide serial numbers to purchase insurance today.
Scheduled Guns
While any gun may be scheduled, you will likely want to schedule guns and accessories valued over $10k. Scheduling a gun ensures it is covered in your policy at the stated value you provide, along with the description and serial number. To expedite your coverage, you may upload a spreadsheet of your inventory to save time listing each within the application.
Trophy Coverage
When you begin your application, you will be able to select the trophies you would like to cover from our extensive species list that spans the continents. Trophy coverage is provided at stated limits defined in the application and includes the cost of the hunt. If you have questions about trophy coverage, please contact us.
Important
Please note, all policies automatically renew annually to save you time and to ensure your coverage remains in effect until you choose to cancel. In addition, all policy payments are fully funded from the moment of purchase, and refunds or partial refunds are not offered.
Coverage Exclusions
The Premier Policy does not cover:
- Collections valued at less than $2,500
- Ammunition
- Targets
- Collections stored outside the United States
Don’t Hesitate to Ask Us Your Questions
If you can’t find the answer to your question here, please contact us and we will be happy to help you.Apply Now
