Are you in good hands when it comes to your guns? Some insurance companies may want to drop you like a leper if you have guns after you bought your house or not cover you if you have them prior. Some will not mind as long as the amount can be covered by the amount in the basic homeowners insurance or may make you take a rider if you have a decent amount or valuable firearms.
If you are a member of the NRA, you already have coverage up to $2,500, but with the price of guns literally skyrocketing in the past few years, you may want to reconsider that replacement value for what you paid back then may not cover what you need to spend if you were to lose them. I was just checking one of my shotguns that I bought for $250 years ago and I was shocked to see that it now costs $340 and I have an extra barrel!
If your insurance company does not want to cover your guns or are asking way too much, you may want to check the NRA’s Endorsed Insurance Program that covers up to $1,000,000. I did a quick and dirty check for $10,000 worth of guns and came back with an annual fee of $125 which is about 10 boxes of 9mm Winchester White Box from WallyWorld. Not bad if you ask me.
UPDATE: Pull out your bills of sale and compare what you paid for your gun with actual prices. You are gonna find yourself quite surprised. All the guns in my measly collection have gone up in value, in some cases 30% or more.