I'm like Ftsibley, My daughter used to work in insurance and she got us to get a rider on our homeowners. I have most of my guns on there. My agent is a gun guy too, when I get one I drive it to the agents office and have someone come out to take a picture and get serial # and the value I want to insure it for. Every so often when I sell or trade I get it updated. Probably the best piece of mind I could have. Mine is very reasonable like $10 per 1K of insured item. Works on jewelry as well. I think most homeowners policies have a low limit on guns and stuff. It sure pays to ask a bunch of questions, that is like an outbuilding, shop, garage etc. It is covered if it is within 100 feet of your home.