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The insurance through the NRA alone is worth the cost. I'm a competitive 3p smallbore shooter, and our rifles can be VERY pricey ($2000-$3000). A friend of mine who also shoots had a problem with his rifle, and the wood stock cracked. They took it to a gunsmith so it was declared "unfixable" and given an approximate dollar amount it would take to replace it. If you're in the NRA, all your guns are insured, so the NRA covered the cost of the brand new rifle stock, which cost about $1200.
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