If for some reason you comlpetley lost everyone of your firearms, all your ammo, and all accesories, what would you buy?
Are we talking about a natural disaster or some such where your renters/homeowners/property insurance reimburses you? If we are, would this insurance company pay you what those firearms cost now, or how much you paid for them?
Depends on the company, for theft I got 1k coverage for anything else it’s replacement.
According to my agent they replace with the least expensive available, so if you claim 12 gauge pump you’ll get a Mossberg instead of the model 12 you lost.
That's why I've started taking pics of everything (not just the firearms) and writing down serial #s to keep in the fireproof safe.