My neighbor got hit about 2 months ago, they got 18 firearms, most old and sentimental, but some modern stuff too, AR15, Mini 14, Colt Commander, that belonged to a mutual friend now deceased that I installed a Kart match barrel in. Won't be hard to spot at a gunshow. They did catch 1 thief, and he got back some of the older stuff, and his Maverick pistol grip shotgun. He did not have a safe. Most home insurance these days only give 2500.00 coverage and up to 2500.00 for 1 gun for a total of 5,000.00. If you want more, it will be a rider, and you must have serial numbers etc... to get it. The NRA has a good supplemental policy, and you don't have to provide serial numbers, except for individual guns above a certain value, it is a bargain.
I'm lucky ( knock on wood ), before I had a safe, I would split my guns between mine and my parents house, in hard guncases, but I would take the barrels off the shotguns, bolts out of the rifles and mix and match them, so no one gun case had a sellable item in it. some under the bed, and the other cases in the attic. When I bought my 1st safe, a warm feeling cascaded over me, when I set it up, and put my stuff away. It was the cost of one good pistol.
On the insurance, don't forget, the scopes, magazines and other accessories, are not firearms, and should be covered under your home owners policy limits, they will argue, but look at the wording in your own policy. Many rifles have scopes on them, equal in cost to the rifle.
