Well it seems their policies added on to the home owners insurance is: $200/yr for $10,000 in coverage $300/yr for $15,000 $400/yr for $20,000 This is specifically for firearms coverage with $0 deductible and also includes if you blow up your gun! I specifically asked! He wanted to know how that would happen...that took a little explaining. I had never thought about the possibility of your gun blowing up or being ruined without the manufacturer covering it but seeing how I reload...It's starting to not look like a bad idea. Does anyone else have firearms insurance and what are you paying. I am trying to gauge if this is a decent price or not. Thanks!