I'm a claims adjuster for anationalinsurance company.

Generally, any standard'homeowners' or 'renters' policy will provide some coverage for your guns. Most will have a special (reduced) limit of coverage for theft, though. ($1500to $2500 is usually the standard)So even if you have $50,000 in coverage for yourPersonal Property items and ONLY your guns are stolen, the most you'll get back is that $1500 (or $2000 or whatever theTheft Limit is) even ifthe gunstakenamounted to $4000.

For other types of covered losses ( 'fire' is the most common) there is usually no limit specific to the guns, but they will still fall under the larger limit that applies to ALL of your personal property (TV sets, clothes, knives, dishes, DVDs, etc.). Let's say you own guns worth $3,750 and you purchase insurance (either homeowners or renters) and they give you $50,000 in coverage for your Personal Property items. If you have a fire and lose everything, you should be able to get back whatever it takes to replace your guns. However, if the items you lose in the fire total over $50k, you'll still only get $50,000.So you can use that $50,000 to get your guns back, but you might end up short somewhere else. For instance,lets say you have$38,885 in guns and a $10,000 Plasma TV in addition to everything else you own. Sure, you can getthe guns and the TVreplaced for the $50k that the insurance company gives you, but what about everything elseyou own?

As a rule of thumb, almost EVERYONE is under-covered for their Personal Property items.When I have large fire claims,almost without exception we pay out the limit under the Personal PropertyCoverage and the insureds don't getenough money to replace every item they lost.

One thing you can do is request a higher overall limit for your personal property. The other thing you can do is to get your guns 'scheduled' on your policy. This means you're listing them specifically on the policy. It generally means you can put an individual limit on each gun, so you don't have to worry about them being under-covered. Another benefit to scheduling your guns individually is that you can usually get a reduced (sometimes even$0 ) deductible specific to the guns. Yet another benefitwith scheduling items such as guns or jewelry is that younormally geta broaderlist of coverages. For instance, instead of just being covered for fire, theft, etc., scheduled items can be covered even if they're lost.

Also, I'm not sure abouttheRenters policies, but generally Homeowners policies will still provide *some*coverage (usually 10% of the total) for your personal property even if it's not located on YOUR premises.

Anyway, hope this helps and doesn't get too confusing. Best bet is to just talk with your agent and theyshould be able to helpset you up withthe best possible coveragefor your situation. Just make sure you are absolutely upfront and honest with them so they can do what's best for you.