I've been researching gun safes online...

... Lot's of good choices out there. We already own an American Security 2hr fire safe that we keep valuables in, and I like the brand. My question is this, is fire rating for a gun safe a choice of budget and personal preference, or should we buy the highest fire rating in a safe we can afford? I'm planning on buying a bigger safe than I think I need, so we can have a bit of growing room and extra secure storage. Advice is welcome. Thanks.