Most insurance companies will give you a break if you have a safe. My safe cost around $1,700 and it holds something like 42 or 52 guns. It is the 7200 American Security Cascade Series safe. Personally, I really like the safe.
I think I might get insurance for a portion of the collection, so that if it does ever get stolen or destroyed even while in the safe, it won't be as hard to replace. If I had to guess, I would guess that I own about $30,000 of guns, so I would insure it for $15,000 (i.e., the ones I use the most). That way, I can get back to shooting and hunting without having to worry about where I am going to get the money from to buy a new gun.
Later in life, when I am more established, maybe I will cut off the insurance because replacing the guns wouldn't be as big a deal or as much of a hardship. Same goes for the fiance's rings.
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The pond, waterfowl, and yellow labs...it don't get any better.
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