Home owners insurance & reloading

[sgruenhagen44]

I've got an additional rider on my policy to cover guns, ammo and shooting gear. I had to take pictures, videos, record SN's so I could prove what I had, but reloading specifically, never even came up. I do know that my presses are in the video they had me take.

The thousands of loaded rounds popping off would be much more lively than the "fizzle" of an undisclosed amount of powder.

Ever light a half pound of titegroup on fire? ITs not a fizzle. More like a 6 foot tall flame.

[OldmanFCSA]

Aha, yes, MN state law seems to be essentially SAAMI rules:

7500.3600 SMALL ARMS AMMUNITION PRIMERS.
Subpart 1. Restricted scope. This section does not apply to the transportation of small arms ammunition primers governed by Code of Federal Regulations, title 49, parts 100 to 199 (1983).
Subp. 2. Transportation and storage. Small arms ammunition primers must not be transported or stored except in the original shipping container approved by the Department of Transportation in Code of Federal Regulations, title 49, parts 100 to 199 (1983).
Subp. 3. Truck or rail transportation. Truck or rail transportation of small arms ammunition primers must comply with the Department of Transportation regulations in Code of Federal Regulations, title 49, parts 100 to 199 (1983).
Subp. 4. Quantity limitations. Not more than 25,000 small arms ammunition primers may be transported in a passenger vehicle.
Not more than 10,000 small arms ammunition primers may be stored in residences.
Not more than 10,000 small arms ammunition primers may be displayed in commercial establishments.
Subp. 5. Separate storage. Small arms ammunition primers must be separated from flammable liquids, flammable solids as classified by the Department of Transportation in Code of Federal Regulations, title 49, parts 100 to 199 (1983), and oxidizing materials by a fire-resistive wall of one-hour rating or by a distance of 25 feet.
Subp. 6. Storage of large quantities. Quantities of small arms ammunition primers in excess of 1,000,000 must be stored in magazines in accordance with part 7500.0800.
Statutory Authority: MS s 299F.71 to 299F.83
History: 11 SR 6
Posted: July 26, 2007

Sounds like the primers should maybe be 25 feet away from the powder and gun-cleaning solvents and such.

So if one reads this right you can have 10,000 at home and the rest in your car right?

Towns have their own codes, separate from State laws.

[Ron Burgundy]

Talked to my agent (I have Travlers). If you're legal, you're GTG. So, I take that to mean stay within State and local storage guidelines. Or, quite microwaving metal and oily rags and I won't have to worry about a claim.

[MJY65]

I asked State Farm when I moved to Wisconsin.
If I have a business, I'm not covered!
If its a hobby, it's covered.
Limit is 20 pounds of powder total, and 1000 primers, stored per fire code.

Let it BURN.
320 pounds of various powders.
20,000 primers.
Fizzle - Flash - Pop - all gone. What proof???

The powder will certainly burn off, but I doubt the metal of the primers would be totally consumed. You can bet some insurance investigator would count them up if they thought they could deny your claim. Having said that, I think the distance of separation would be much more difficult to determine once the house collapses and the primers are ignited and bouncing around. I wouldn't mess with the quantity. Store the extras in a shed or detached garage.

[45Badger]

uh-oh................