I have homeowners, but it only covers 3000 minus 500 deductable for firearms. My homeowners however is making me itemize my stuff, have it appraised, and it looks to be a 500 dollar premium a year. I used to ahve a blanket 25K policy. I went to NRA website, they suggest armscare insurance. I calcuated and its 260 dollars a year. Thinking of going with that.

Anybody know of a better insurance against fire, theft or loss?