I just recently talked to my Insurance agent about the guns that I have in my house. I have purchased a (none fire) safe but wanted to know what I was covered for on my insurance policy. The standard policy only covers $2500 but for $9 extra per year I bumped that up to $5000 (which is as high as they go for that cheap). He also suggested that the NRA offers members a special policy that hopefully someone will know more about.
Just a suggestion that normally isn't thought about until it is too late.