Insurance question
 

Ok , didn't see this question in the search results .
Doing jewelry work I've come across insurance information in the past about home owners insurance not paying off on a fire in the home if there was a Lp or Acetylene torch in the home , policies being canceled if they found out a tank was in the home .etc
Now the question is , has anyone had any dealings with or knowledge about home owners insurance and live ammo or reloading supplies in a private home ? I've seen on here many people who suggest they have enough ammo and powder to level a city block in their home . Is there a limit to the amount if any you can have before you have to inform them and pay extra or not be covered in event of a fire .etc in the home ? Also is there a limit to the amount that can be stored on a legal aspect .Such as , fire in your home and fire dept responds , powder touched off and someone injured or killed , is there an amount that separates tragic accident from criminal charges ?

Re: Insurance question
 

Don't know about a legal limit on how much you can have in the home, but there is a limit on how much powder you can store before you need to keep it in a "special" cabinet. I reality, the cabinet is not all that special. Just a sheetmetal cabinet of a specified thickness with doors that latch.

Re: Insurance question
 

Most of the people on here don't have that much, but talk like they do. I would go over to AR15.com and ask there. I know there are guys on there with 50,000+ round of ammo because they have posted pics.

Re: Insurance question
 

And those that do have that much here just sit back and smile and keep quite. :wink:

Re: Insurance question
 

I only have 1 round of ammo. It is for when the zombies overwhelm us all. I will shoot myself in the head. :)

Re: Insurance question
 

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Re: Insurance question
 

I don't know about insurance, but firefighters routinely come across live ammo cooking off and are trained to deal with it. Their suits will usually protect them, unless the ammo is loaded in a gun. There have been situations in which firefighters thought someone was shooting at them from a burning house, so they took cover and let the house burn to the ground.

Re: Insurance question
 

GBE is correct. When ammo is not chambered or constrained, it develops low pressure and splits the case. Usually harmless.