Paul,
I don't know where you are located so I am not sure if this company can write insurance in your state. I live in Illinois and I use Auto Owners, a Michigan insurer. I have the guns I take out of the house on a rider and the ones I leave in the vault are not on a rider. The is not expensive and my agent tells me it covers the guns for any event, taken from my car, breaking the wrist on a double if I fall, leaving it in the woods - doesn't matter the policy covers it for replacement cost (you have to have to have a replacement cost policy). I have no experience with filing a claim, but I do know that Auto Owners has a very good reputation for paying claims.
You must have a recent appraisal for the guns you carry on the rider and maybe the others - can't remember.
There is a maximum for guns not included on the rider but I can live with that exposure.
Hope this helps,
Mike
