I have a "rider" to my renter's insurance which will cover replacement of firearms. Not everything is covered. Enough is covered that I could start over with a select subset that would allow me to hunt and defend myself. That's really what I care most about. I'm not in the "collector" group, not investing in guns for my retirement or anything of that sort.
You mentioned jewelry, art, guns ... if you have valuable musical instruments, you should also consider insuring them. Most policies have some default limit you might need a rider to exceed. For instance, a decent cello may go over $10K.
Tom
