patmccoy
Member
Most home owners insurance companies lump our guns into a "sporting goods" grouping, and the limit on that is generally sub $3,000.
I'd be interested i n where you got your information. Insurance policies differ considerably from state to state. For the 33 years I was an agent firearms were considered "personal property" for most losses, but had a limit for theft (which could be easily increased without serial number) but for which strongly recommended photos and receipts or current estimates be kept outside the home. I offered my file drawer, but did not require the client to use my storage. "High Valued" firearms (over $2500 at that time) needed specific identification and appraisals, with a copy to the company.
This is where taking pictures of every drawer, gun, ammo stash, etc can help tremendously.
This is true of everything in your home and garage. Not just drawers, but pics of all walls with decorations. It proves the existence of the lost item, and helps confirm the quality (thus value) of the items.