Do I need to insure my guns? Aren't they covered on my homeowners policy? My bank/insurance company USAA offers valuable personal property(VPP) insurance on top of the normal home owners insurance, and I'm just wondering of this is necessary for my guns. I do have VPP coverage for some jewelry, such as engagement/wedding ring, diamond neckless, and a blanket account for other jewelry, but is this really necessary for guns? Let me know your thoughts on this!