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I think I'd first separate my gun collection into two groups: things that can be easily replaced and those that can't. In the first category would be plain-Jane guns like Ruger Blackhawks and Rem 870s. In the second category would be guns like Grampa's old thutty-thutty, a custom gun, a rare gun or the like.
I'd probably not insure the first group at all, figuring the job of buying new ones would be half the fun.
But I'd insure the bejeezus out of the second group, complete with full descriptions, digital photos and whatever else I could think of in the way of documentation. I'd store all the documentation off premises.
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