Does anybody know the names of any, please ?
(In Texas, or available to homeowners in Texas?)
HomeOwners Insurance companies that don't penalize reloader?
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I wasn't aware that I needed to let my insurance company know that I was reloading. I don't see any more danger or liability involved. Was this something that they asked you about?
OTHERS BEAT ME TO IT WHILE I WAS ON THE PHONE
OTHERS BEAT ME TO IT WHILE I WAS ON THE PHONE
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I'm closing on a house at the end of the year(being built right now).
And need the Insurance to satisfy the mortgage co. before signing final papers.
I wasn't planning on "volunteering" the info that I'd be storing a few pounds of powder, and will be very very careful reloading. But I would tell them, if there was a company that would allow it with a small bump in premiums(not a huge one, or prohibit it)....or make my ins. voided, if an accident happened.
And need the Insurance to satisfy the mortgage co. before signing final papers.
I wasn't planning on "volunteering" the info that I'd be storing a few pounds of powder, and will be very very careful reloading. But I would tell them, if there was a company that would allow it with a small bump in premiums(not a huge one, or prohibit it)....or make my ins. voided, if an accident happened.
I too am a USAA member.
They are the only one I've approached about homeowners insurance. Because I have my auto ins, with them, and a few small stock investments thru their brokerage section....and always have liked their service.
Didn't get into much detail because the closing is months away. I would imagine nearly all of their members are gun owners...who knows about gun powder users...Ha! I sure won't mention it. But if they somehow found out, I believe they drop me. Right?
I guess there really aren't any that "knowingly" insure reloaders.
They are the only one I've approached about homeowners insurance. Because I have my auto ins, with them, and a few small stock investments thru their brokerage section....and always have liked their service.
Didn't get into much detail because the closing is months away. I would imagine nearly all of their members are gun owners...who knows about gun powder users...Ha! I sure won't mention it. But if they somehow found out, I believe they drop me. Right?
I guess there really aren't any that "knowingly" insure reloaders.
I'm not a lawyer but, unless your policy specifically states that your not covered for damage caused by a reloading accident then they would have to pay for damages. Your policy would specifically list any exemptions. If they were to balk on a payout then you would contact the state insurance board and file a complaint.
OK, thanks
I have a question about the powder stored in HOT rooms.
I actually have not begun reloading yet, but have bought all the equipment, dyes, primers, presses and the powder. I'm reading some very good manuals and learning all I can before starting.
I've read that it all should not be stored in the same place, rather smaller quantities in seperate places around the house. So I ordered 4 one pound containers of the kind of powder my manuals recommended for my calibers and grained bullets. But they sent me a 4 pound container of the stuff!
I will be reloading on a bench I'll build in my new house garage...My question is how "sensitive" or volatile is the stuff when I store and distribute it around inside my hot Texas garage (estimated to get to possibly 110...or more, degrees on really hot days of summer)?
Your thoughts please.
I have a question about the powder stored in HOT rooms.
I actually have not begun reloading yet, but have bought all the equipment, dyes, primers, presses and the powder. I'm reading some very good manuals and learning all I can before starting.
I've read that it all should not be stored in the same place, rather smaller quantities in seperate places around the house. So I ordered 4 one pound containers of the kind of powder my manuals recommended for my calibers and grained bullets. But they sent me a 4 pound container of the stuff!
I will be reloading on a bench I'll build in my new house garage...My question is how "sensitive" or volatile is the stuff when I store and distribute it around inside my hot Texas garage (estimated to get to possibly 110...or more, degrees on really hot days of summer)?
Your thoughts please.
Go here for info http://www.alliantpowder.com/safety/sto ... m#consider
I store my powder in an ice chest in my house. Keeps it cool. No pun intended.
I store my powder in an ice chest in my house. Keeps it cool. No pun intended.
Thanks, SC1903A3
Really good info there!
That brings to mind 3 more questions, please.
1) How "Hot" do they mean to be unsafe for storage?
2) In that statement about not being stored where can be "heated above their ignition temperatures"...What temperature is their ignition temps?
3) Where could I buy smaller empty DOT approved containers?
thank you
Really good info there!
That brings to mind 3 more questions, please.
1) How "Hot" do they mean to be unsafe for storage?
2) In that statement about not being stored where can be "heated above their ignition temperatures"...What temperature is their ignition temps?
3) Where could I buy smaller empty DOT approved containers?
thank you
daddySEAL Said:
Just keep it away from open flames, electrical sparks and hot plates. Also store your primers separate from your powder. The container that the powder comes in is DOT approved.
I was overly concerned when I first started reloading also. I learned things through trial and error. Also from friends that reloaded. It's rare that you hear of reloading accidents. The primary thing to remember is to take your time and double check what your doing especially when measuring and pouring powder. There's nothing like having a bullet stuck in the barrel when you forgot to put powder in the casing. Primers have enough power to push the bullet into the barrel.
I find reloading to be very relaxing. Your focusing on that one thing and the everything else just disappears.
It's not an issue for me since I store inside my house which resolves the heat issue. Long term storage in a hot garage might cause the powder to degrade a little faster.1) How "Hot" do they mean to be unsafe for storage?
2) In that statement about not being stored where can be "heated above their ignition temperatures"...What temperature is their ignition temps?
3) Where could I buy smaller empty DOT approved containers?
Just keep it away from open flames, electrical sparks and hot plates. Also store your primers separate from your powder. The container that the powder comes in is DOT approved.
I was overly concerned when I first started reloading also. I learned things through trial and error. Also from friends that reloaded. It's rare that you hear of reloading accidents. The primary thing to remember is to take your time and double check what your doing especially when measuring and pouring powder. There's nothing like having a bullet stuck in the barrel when you forgot to put powder in the casing. Primers have enough power to push the bullet into the barrel.
I find reloading to be very relaxing. Your focusing on that one thing and the everything else just disappears.
I keep my stuff in a climate-controlled environment.
If your set-up is in the garage, I would recommend keeping primers & powder stored in the house in separate closets.
If your set-up is in the garage, I would recommend keeping primers & powder stored in the house in separate closets.
"If a man breaks in your house, he ain't there for iced tea." Mom & Dad.
The NRA & TSRA are a bargain; they're much cheaper than the cold, dead hands experience.
The NRA & TSRA are a bargain; they're much cheaper than the cold, dead hands experience.
I doubt your insurance company would ask.
Storage wise, as long as the powder and primer are kept in their retail packaging and are not carried together you have no concerns. They are as safe, but no safer than , a bottle of bleach, or many other household items.
The main safety mistake is the act of priming cartridges with powder around. Keep every thing away from the primers when priming. I think of them as a large firecracker, though others will disagree with that comparison.
also Why do you want a DOT container, they are, for the most part, simply heavy plastic cases with generic safety wording on them.
My favorite answer is, you can store powder and primers the same way and in the same places you store ammo, so long as there is no chance the primers will be crushed or droped. The closer the primers are to the powder, the greater the consern about them being droped or crushed.
Storage wise, as long as the powder and primer are kept in their retail packaging and are not carried together you have no concerns. They are as safe, but no safer than , a bottle of bleach, or many other household items.
The main safety mistake is the act of priming cartridges with powder around. Keep every thing away from the primers when priming. I think of them as a large firecracker, though others will disagree with that comparison.
also Why do you want a DOT container, they are, for the most part, simply heavy plastic cases with generic safety wording on them.
My favorite answer is, you can store powder and primers the same way and in the same places you store ammo, so long as there is no chance the primers will be crushed or droped. The closer the primers are to the powder, the greater the consern about them being droped or crushed.