My garage was broken into, and they stole my PVS-14 Night Vision ($4,000) and my thermal scope ($3,500–$4,000). I filed a claim, but the adjuster classified them as either “Camera/Electronic Equipment” (depreciated value) or “Sporting Goods” ($500 limit).
Key Takeaways
- Optics are Not “Firearms”: The $2,500 firearms sub-limit covers the gun. It often does not cover the detached optic or night vision. Those fall under “Electronics” or “Sporting Goods.”
- Depreciation Kills Value: Technology depreciates fast. A 5-year-old PVS-14 might be valued at 50% by an adjuster using ACV (Actual Cash Value). You need “Replacement Cost” coverage.
- “Attached” vs. “Detached”: If the scope was mounted on the rifle, it counts as part of the firearm (subject to the firearm limit). If it was in a Pelican case, it’s electronics.
- Specialty Insurance is Best: Policies like “Gun & Trophy” cover optics, night vision, and accessories at full replacement value without a deductible.
The “Why” (The Trap)
The trap is “Categorization.”
Adjusters don’t know what NODs (Night Vision Optical Devices) are. They think it’s a camera.
You want it categorized as “Fine Arts” or “Scheduled Property” to get full value.
The Investigation (I Quoted Collectibles)
- CollectInsure: They explicitly cover “scopes, rings, mounts, cases, and accessories.”
- Cost: About 1.5% of value annually. For
7,500inoptics,that′s 7,500inoptics,that′s112/year. - Deductible: Usually $0.
Comparison Table
| Policy Type | Valuation | Deductible | Limit |
| Homeowners (Unscheduled) | Depreciated (ACV) | $1,000+ | Low ($1,500) |
| Homeowners (Scheduled) | Agreed Value | $0 | Appraised Value |
| Specialty (Gun & Trophy) | Replacement Cost | $0 | Policy Limit |
Step-by-Step Action Plan
- Keep the Receipts: You need proof of what you paid.
- Mount It (Maybe): If your firearm limit is high enough, mounting the optic might bundle it into the firearm coverage. But usually, the firearm limit is too low.
- Buy Standalone Coverage: For NVG/Thermal, a dedicated policy is the only way to get $8,000 back when it walks away.
- [IMAGE: Photo of a thermal scope with the serial number clearly visible]
FAQ
Are ‘peq boxes’ (lasers) covered?
Yes, as accessories.
Does it cover dropping them?
Standard Homeowners: NO. Specialty Policy: YES (Accidental Breakage).