See how the company is rated and see if they have what I will call a stupid clause. I carry a rider on my household policy that costs me $145 p/yr for about $15,000 and this covers the two shotguns I use in the field. But no matter how the firearm is damaged they pay. e.g. if I fall and break the wrist they pay for a new stock, if I drop it they pay. I don't put the rest of my firearms on this rider and they are not fully covered and that is a risk I can live with. I like the stupid clause because I figure this is the most likely risk I face.