[fabsroman]

Rapier,

I live in the city, and would be more concerned with theft than with fire. Yeah, house fires happen, but I know of more people that have been burglared than people that have had their house burn down. In fact, I only know of one house that has burned down, which was in the "country" in PA. It was my aunt and uncle's vacation civil war home located on 100+ acres where we loved to spend our weekends. The fire did some damage to the house, but the fire department was able to put it out and we actually got to see the extent of the damage. While it was sad and bad, it wasn't completely horrible and a safe in the basement would have probably survived.

Now, of people getting robbed I know plenty of people. I am more worried about my guns being stolen.

I am also thinking about getting insurance on my guns and bikes, but then I have to deal with the valuation of them after the incident happens. Trust me, most insurance companies nowadays don't want to pay out on claims. We have a separate rider for my wife's engagement ring and wedding ring, and I cannot imagine the insurance company handing over a check for $15,000+ if something happens to that diamond. Of course, I could always be wrong about this, and surprised at the same time. I'm hoping I never have to find out one way or the other.

Another issue with insurance is that over one's lifetime, it isn't necessarily cheap. The investment in the safe is $2,000, how much would insurance cost on a $30,000 gun collection. Plus, some of my guns have sentimental value to me. My BPS was given to me by my dad on my 8th birthday. My dad and I bought the Citori together when I turned 18 from money that I earned at a hot dog stand. Killed my first deer with my dad's 30-06 which will eventually be given to me. How does insurance replace all that? It just doesn't.

So, I'll be going with the safe, and then maybe, just maybe insurance. However, I have been thinking about building my own home and making a concrete lined safe room where I can keep my bikes and my guns. All of the walls, floors, and ceiling would be in reinforced concrete, there would be a vault door to get into the room, and there would be a Browning safe in the room for the guns. That should keep my gun collection and bike collection pretty safe and hopefully out of harms way from a fire.