Question to all: IF one has a gun collection worth more than what your homeowners policy covers, do you get a separate policy? You will be letting an appraiser know what guns you have and then you will tell your agent what you have.
No problem if all purchases are recent and have gone through all the current red tape. But what about guns purchased 50 years ago (mail order or newspaper ads)? What about antique guns over 100 years old (trapdoors, Krags, 03s, etc.)?
A good quality safe is probably your best insurance.
NRA membership gives you minimal insurance, but you can get more.
http://www.locktonrisk.com/nrains/armscareplus.htm
You need to put a rider policy out.
Home owners policy will not cover guns without a rider.
My ins agent said that firearms and jewelry are the 2 most frequently stolen items, so they get “premiumed”. My condo homeowner’s policy would increase from $284/yr ($250k contents) to $21,600/yr, based upon my inventory, ammo and massive safe. An expensive security/fire suppression system was hugely cheaper.
The NRA offers a policy to members, and I’m going to check into it.
Read your policy, typically the limit only applies to theft. Depending on your concerns...you may be good. If you do increase, you just choose an amt - unless u choose to schedule individually.