I've always wondered how much of the guns were covered on my homeowner's insurance. I've got State Farm for everything. Recently my agent wanted to review our policies, so we asked him just that question. The answer was $2500.00. He said for me to do an inventory and send it to him with proposed values. Obviously I don't have anywhere near as much stuff as most of you, but to insure $26K worth of "Sporting Equipment" the premium is like $200.00 per year. That covers my crossbow also.
And don't make a claim with State Farm they will rip you off at least 50% or more of what you have insurance for.....believe me I've had to deal with them on a loss....
They had pictures and appraised value and refused to pay for what was lost and it was insured by them....they will spend more than what things are worth just so they don't and will not pay.....
I had to hire a lawyer....State Farm has lawyers working for them that get a commission on what is not pay on a policy.....
State Farm sent me a check for just over $40'000 the loss was over $100'000 if i didn't cash the check in 14 days it was void and would not pay anything after 14 days....
Also they raised my home owner insurance over 10 times the rate before the loss it went from $565 to $5843 a year for Home Owner insurance....
My State Farm agent was a life long friend he couldn't believe how I was treated and quit after my theft.....