How much does your rider cost?
Another $2,500 firearms rider costs me a whopping $12/year. That brings the cap up to $5,000. The NRA's ArmsCare coverage is worth $1,000. That brings it up to $6,000. My gun collection still exceeds that, so I contacted Collectibles, LLC for additional insurance. I have not yet decided to go with their policy. Right now, I'm getting another fire safe from Sturdy, but eventually I will have to decide if I should live with only $6,000 in coverage or pay for more.
My current insurance company offered me a separate personal articles policy (PAP) that would cover the specific things I wish, but it was more expensive than I would like.
$10,000 coverage = $162/yr with $0 deductible
$20,000 coverage = $324/yr with $0 deductible
Collectibles LLC beats those figures by a long shot.