[Rapier]

Sorry guys but you are going through a lot of unnecessary hunting and figuring. All that is needed is a cheap safe without fire protection and the purchase of good insurance.

Your home owners policy has a limit on sporting goods for theft, the entire contents limit applies to all other forms of loss covered by the policy, including fire. Buy the safe for theft protection and nothing else.

I have seen way to many house fires and the aftermath during the 40+ years I have been an insurance broker and the 19 years spent as a fire commissioner. If you have a basement it will not have a little junk in it and a little water. It will be full to the top with debris and filled to the top with water, just like a junk filled pool. The safe being the heavy object will be on the bottom. On the floor or in the basement makes little to no differance, the safe will end up in the basement regardless. The basement may become a fire pit before the fire is put out. It will not be the next day when the safe is removed, it might be the next month after, the fire dept investigation, state fire marshal investigation, removal of the upper debris, insurance investigation, etc., etc. What you will have when the safe is opened is an burnt, rusty, iron box filled with rusted junk.

With a slab foundation, you have a chance, in a city with a quick response. In the country well, the locals call the volunteer departments the "slab and chimney rescue squad." It is rare that a volunteer department saves a house from being a total constructive loss.
Ed