M2 Carbine· Registered
I would get another insurance company.Problem is our home owner's policy requires me to itemize, photograph, and give the list to them.
Over the years I've had a number of insurance companies.
Been with Allstate for some years now.
I also had my gun shop burned down in 1995.
Lost thousands of dollars in gun stuff, like reloading presses, powder, primers, thousands of rounds of ammo and seven guns.
EVERYTHING was paid for at full replacement value. They even bought me a new shop that was WAY nicer than the one that burned.
At NO TIME, before or after the fire, or with any insurance company, have I ever been asked to supply any info on my guns and they have been fully covered, at full replacement value, under the "personal property" portion of the insurance.
One agent said,
If I have a unusually expensive gun (guns) I should keep a record of them, including pictures.
Which I do anyhow with all the guns, etc.
Take pictures of EVERYTHING and I mean EVERYTHING.
Just for the heck of it, last year I made local Allstate agent check again about the gun and gun stuff coverage.
The answer was,
It's all fully covered, at replacement cost, up to the limit of the personal property coverage.
The insurance company has no idea if I have one gun or two hundred.