Don't you get or used to get insurance with you NRA membership. It seems like I remember something like that. At any rate, I have no experience with the insurance you are asking about. But, from my experience with other insurance I would say that they will fight tooth and nail to try and not pay if you have a claim. Then they will probably cancell your policy after you don't give up and make them cough it up.

Insurance companies want you to pay your premiums and never ask for anything back. As you can probably tell I hate Insurance and think that they are a bunch of thieves. Spend your money on a 12 inch conrete bunker to store your valuables at least you'll get something for your money other than empty promises. Man I'm cynical, aren't I!