Look, I dont' want to get in a pissing match with you, because clearly you know more about safes than I do.
Let me put it in simple terms:
Gun safe companies use Omega, because Omega has much lower standards than UL.
This is why you see gun safes rated at 1200 degrees, when UL safes are tested at a minimum of 1500 (for 30 minutes), 1700 (for an hour), and 1800 degrees (all ratings over an hour).
UL also tests any fire rated safe to withstand a 30 ft fall to simulate falling through the floor. Omega has no such testing.
UL also test the safes to ensure any moisture content will not cause the safe to explode during high heat. Omega does not.
All of these test by UL ensure that your contents will survive as well as they can under real world circumstances. Omega's testing on gun safes does not simulate real world conditions.
Liberty, Browning, Fort Knox, Champion, Cannon, Armory, Granite, and others, are not safe companies. They are gun safe companies.....a relatively low security, not very fire resistant product invented about 15 years ago.
All real safe companies get UL ratings on their safes. Even foreign companies that import real safes submit them for UL ratings. Insurance companies require UL ratings.
Back to the topic at hand:
I beileve one of the greatest threats facing firearms owners today is lawsuits as a result of not locking your firearms in a secure location. It doesn't matter if it's a cheap cabinet, or a jeweler's rated safe.
You want to make an effort to secure your firearms so that nobody can ever claim you were negligent if they would end up in the wrong hands.
In addition to your homeowners insurance, you may also want to consider an umbrella policy that helps defend you from civil suits.
