So here's some unofficial facts about insurance.
Homeowners coverage allows you to schedule items at stupid expensive money, about 100 basis points to 150 basis points per year. (translation, $100,000 gun coverage $1500 a year) Add to that, you'll be suprised the claims adjusters will shaft you on value. Add to that, the deductibles will be high. Add to that, a claim for a $10k gun loss will probably jack your homeowners rates by $500 a year.
The next option by smarter insurance agents is to write you an inland marine policy. Cost is 85 to 100 basis points...still expensive. Still bad claims adjustments. Still big deductibles.
Third option is to use Eastern Insurance's fine firearms insurance. $500 deductible. $100,000 coverage is really cheap. I think I pay $180 a year. I had a shipping damage incident. They paid out a large sum immediately with reasonable paperwork. They even allowed me to buy back the gun from them at then FMV. Further, they don't require you to schedule and declare any gun unless it costs more than $10,000. Thus, 99.99% of guns are worth $9999, but their cases are $2000, the optics are $3000 the accessories are $1500, the scope mounts are $500, the ammo is $5000....you have a loss, all those items are unscheduled and you file a legitimate claim for a $22,000 "gun package" loss if that is legitimately what the whole package is worth.
Google Eastern Insurance / Hanover Fine Firearms Insurance.
