@Beck - I’ve had this question myself for many years. What I would find helpful is to hear from someone that actually “Filed a Claim”? How was the process? Were you reimbursed in a timely manner AND at the prices you expected? What negative surprises (if any) did you encounter?
Regardless of Insurance or Not - I believe having a Good Safe should be the main part of protecting your firearms. The “tin can” steel gym locker-types that can be opened with a screw driver and even fancy “velvet lined” nicely pained safes (with only 1/16” to 1/8” of steel) offer minimal protection…but better then nothing.
Good Safes have two common characteristics - “Steel” & “weight”. the 3rd “characteristic“ is Cost — they are expensive and $5000 - $10,000 seems to be the range. Certainly any safe can be broken into but very few Good safes are: acetalyn torch, carbite bit saw, high speed drills are rarely carried by burglars. Occasionally you can find a good USED safe and save some money - worth getting a professional safe mover to deliver and install it —- any safe over 700 to 3000 lbs can’t be moved by a few buddies in a pick up …and certainly not up & down a flight of stairs. That’s my opinion, you don’t want $50,000-$100,000+ of guns in a $2000 safe…better to sell one of those guns and buy a Good Safe to protect the others. Lastly, hide your safe - don’t display it in your living room regardless of how beautiful it is….every neighbor, repair person, or kids friends that enter your home will see it, remember it, tell there friends about it etc…. Could eventually become “known” to the wrong person.
