...I' d get a new agent immediately!!!

My policy has $10,000 as well, but I figure that will cover my guns (for now[:-]). I do have a heavy duty gun safe that they are in, so I' m not that worried about it. My dad has quite a few guns that are worth some $$$, I' ll have to find out what his policy says. Newboar is correct....NRA does offer coverage as well. You might want to look into it.