one last note...

We are in the final stages of packing our daughter up to leave for college and one of the tasks completed was to update the insurance policy covering her sporting equipment. Initially, we used our home owner's policy to provide coverage for her rifles/sights, scopes and miscellaneous items but transitioned to a valuable personal property (VPP) rider about 3 years ago when we started traveling a lot. The contract for carriage embedded as the Ts and Cs for the airline ticket really limited the amount of compensation the airline would provide should they damage the equipment and i wanted to avoid a claim against my HO policy if I could. The HO policy has a much higher deductible than the VPP policy and should Claire's equipment get stolen/damaged, the VPP claim process should be more streamlined and allow us to replace the equipment faster.

USAA won't insure her custom shooting suit nor her shooting boots, but will cover any other component as long as it's worth more than $100. I did have to provide very detailed information about all the covered items, but USAA does not require serial numbers - just make/model/caliber and provide a place to upload a picture

Had never thought of doing this until a fellow athlete had their rifle damaged traveling to the Jr Olympic match and was tied up in all kinds of red tape with the airline over covering the loss.

If you travel frequently - maybe this is worth it to you - it is to us and hadn't given it any thought.

Have fun on your trip!