Guns are covered under your homeowners insurance (like other personal property) for loss, theft or damage. A standard homeowners policy typically provides up to $2,500 in coverage for lost, damaged or stolen firearms. Often scheduled personal property riders are not subject to a deductible. You can make sure your guns are properly insured by scheduling them on your policy. For the extra premium you can make sure that all your guns are covered in the event they are stolen or damaged. ... Your insurance carrier will then add them to your policy for a certain amount of premium for every $100 of coverage
