Someone told me that somewhere, in fine print in your homeownwers policy there is something to the effect that if you have more than X amount of gunpowder on the premises and you have an explosion/fire, that your insurance is void. Anyone know anything about such a thing?

Roger

I know that from time to time dumb rumors get started. This is one of those situations. If the policy doesn't say how much gas you can store in your garage why would they worry about gun powder? If you have any doubts call your agent, that's what they get paid for. If your company doesn't have an agent find a company that does. Relax and buy what ever powder you need.

My insurance company doesn't care how much powder, artillery or anything else connected to my hobby that I store at my home.

ZM

If you are seriously concerned, give your agent a call and ask about what is legally called 'Flamible Solids' storage. If you store black powder then you should ask about explosives storage.

PaulS

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stay safe and live long!

I believe many states and local communities have laws restricting the amount of powder and primers a private person can possess or store.

It's best to check state and local laws.

Here's what I found looking for Nebraska and smokeless powder storage.

From the BATF on Neb. Rev. Stat.

http://www.atf.treas.gov/firearms/statelaws/nebraska.pdf

Sect 28-1213 through 28-1239

Just a quick read makes it look like you need a permit from the State Patrol to store/transport or whatever regarding smokeless powder.

Here's a bit from the Neb State Patrol.

But then checking the Neb State Patrol Regs it states in section 002.06 and 002.07 of Nebraska Administrative Code Title 272 that smokeless and black powder used by a sportsman may be exempt.

http://www.state.ne.us/home/SOS/Rules/t272-5.pdf

There are FireMarshall type things too but I didn't check for those.

Insurance companies may not like to pay on a claim if you're in violation of the law. They're kind of fussy like that.

For another example:

Here's Maryland's FireMarshall Code. Looks like we're limited to 5 pounds of smokeless unless we get a license.

Read Article 38 A, Section 26 to Section 27 B.

http://firemarshal.state.md.us/expl.htm

Arizona looks like a easier place to get along.

http://www.azleg.state.az.us/legtext/44leg/2r/laws/0143.htm

Never can tell about insurance companies!

I don�t understand???? I thought gun powder storage WAS homeowners insurance :-)

Hey Dave King -

Did you find anything about Pennsylvania while you were digging around?

R-WEST

Policies vary from state to state. In some states, like here in Texas, the state insurance commission promulgates the policy form, so all policies written on the same form (commonly "Homeowners-B") will have the same coverage (which does not exclude gunpowder, per se).

However, if you are in a state that does not use standard policy forms, then you must read your individual policy carefully to see what might be excluded.

Looks like PA is easy to get along with too.

http://www.pacode.com/secure/data/025/chapter211/subchapAtoc.html