I ask this question in this forum as there are maybe the greatest number of people viewing it who may have a similar concern and can provide insight.

In going through my homeowners insurance policy, the limit for specific items like guns, jewelry, art and furs is capped at $10,000 ( with no single item allowed at greater than $5000)

I do not have a large collection of firearms, but I am sure that replacement value exceeds 10K given the few relatively nice guns I own.

Do those of you that have addressed this same problem add them to your homeowners policy or have some separate insurance?

Just looking for suggestions/recomendations.

Thank you.

If you can't be a good example, may you at least serve as a dreadful warning