For those of us who are on USAA, here is what I found out:
Under renters insurance, you are covered up to $2,000 dollars on your firearms. Done deal
Now, they have a seperate floater where you can insure your firearms based on their total value. For example, I valued my collection at $10,000 (includes scopes, accessories, modifications, etc) and the representative stated that the floater would cost $200 per year.
I continued to ask questions, what they do is on the floater each firearm is listed out with its value, you have to provide all the information on the firearm, proof of ownership (pics, sales receipts).
Then, if and certainly WHEN your collection grows you have to add firearms onto the floater, making your montly and yearly payment increase.
They are insured all over the world, which is nice, and they insure all the accessories etc. Although, this seperate floater does not insure anything under $500, for those less expensive weapons are covered by your normal renter's/home insurance.
Thought this would help..
maybe we should start a sticky for weapon insurance good deals, best finds, experience with filing claims?