My homeowner’s insurance had much better coverage for loss by fire than for theft. Learned the hard way when our house was lost in the 2020 East Troublesome fire. Anyhoo, our insurance covered full replacement value for fire loss vs. the $5000 limit for theft. It helped to have an inventory with make, model, and serial number, and description of sights/scopes. I’m an NRA life member but truth be told I never thought of the NRA insurance.
