Quoted:
Quoted: That's expensive, I pay under $100 for my rider w/ State Farm and I have coverage 5x that. They didn't ask for serial numbers or photos. I don't think SF is anti, per say, I think it depends on your local office.
I know I have had people tell me they were tight with money when filing a claim, but everyone here says they always give them a bunch.
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I asked my State Farm agent about extra coverage and was told I had to provide serial numbers/models. My agent is a gun guy too. I think it was slightly over $1.66/1K/year. If I remember right the NRA approved insurance requires an apprasial on single firearms over $5000.
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If you add an endorsement to your policy you can get $2500 per item, with a $5000 maximum. You do not have to list the guns for the endorsement.
If you want more coverage, a separate personal articles policy is needed, and serial numbers and individual names/descriptions are required (as they are for cameras, computers, cell phones, etc.)
As was mentioned, the limitation under the basic policy is by loss due to theft. If your guns are destroyed in a fire they will pay the loss, less deductible, up to the limit of personal property.