Like everyone else is saying, homeowners or renters cover some amount, usually 2000 or so. I looked further into it and You have to pay a little extra to get substantially more coverage. They wanted the info on what guns I had (which I didnt like giving that info) but they only requested general information on the type maker and action. It doesnt take many guns to go over 2000 bucks. I started tallying up what it would cost to replace my guns with new ones of the same kind and it shocked me as to how much I would stand to lose if they disapeared. 2000 didnt cut it. So, spend the extra few bucks. EJ