Most policies cover $500-1000 of "special personal property" like firearms, computers, jewelry, etc without any rider. Then what you want to pay for additional coverage is up to you, based on what you would want to replace in terms of investment value or replacement firearms. If you want to pay top dollar for the best coverage, then you need a "guaranteed replacement" coverage add-on, meaning they pay what it costs to replace that item at that point in time.

When I had all of my guns insured, it cost as much for the special coverage as it did for my standard policy. I had a lot cheaper home and a lot more guns at that time, but it's still a pretty sizable portion of my monthly premium.

You also have to be sure that the policy covers theft. I found out that my first firearms coverage policy didn't after about 2yrs of having it.

I'll admit, I don't focus on theft coverage as much as I do fire coverage - if someone wants to steal my safes, they're going to steal my safes. "Fireproof waterproofing" is what I focus on mostly now. I read a lot of reports that even fire safes end up with total losses in a fire because the safe falls through the floor, or started in the basement, which gets flooded by the firefighting efforts. Then the couple of days it takes to get back into the site and recover the safe is enough time to corrode the guns. I'd have to get over 18" of water in my basement before I get water in my safe, and something would have to go very wrong before any of the spray got into them, unless Joe Fireman sprays directly at the safe door.