If you're not concerned with fire flood theft then of course you have no use for insuring your firearms.
Correct. I have no firearms insurance beyond what the basic policy covers. My safe provides all the insurance I need.
No amount of money will replace most of the firearms I own due to their uniqueness or nostalgia, so I don't bother to pay the insurance company money for something that can't be replaced.
Member: Orange Gunsite Family, NRA--Life, Varmint Hunters' Assn., ARTCA, American Legion, & South Cuyahoga Sportsmen's Assn.
"Gunnery, gunnery, gunnery...all else is twaddle!" --Admiral Sir John Fisher, RN