Fortunately.. I did have a firearms rider for my guns...which were stolen from my apartment less than 24 hrs after moving to Louisiana from California. I had a P226/9mm (stamped "Made in West Germany"), a tack driver with about 20K rounds through the very first pistol. They didn't get my P229/ it was with me

After I called the PD, they did a police report--which I sent to the insurance company--I had a check 2 days later.

Mike in VA