Fabs, my friend, don't you carry insurance on your house, on your car, on your life?? Why not your guns? Of course you will pay a percentage of the value of the guns as you do with the house, car and your life. Hopefully the value of your guns will rise over the years(if we are even allowed to have them 30 yrs hence). The NSSA/NSCA insurance is a pretty good deal. I have it on some of mine and feel that it is a real bargain. A friend just had a rider on his homeowners done for a 20,000 buck Krieghoff and it cost him 500 bucks and he has a deductible. You insure your wife's rings and ignore your guns? As I said....Tsk Tsk Tsk There is much better insurance than homeowner riders. Cheaper and better! Even on Jewelry.