I keep the majority of my firearms locked in my safes, but still have insurance. Just one of my 50bmgs would hurt my wallet to replace. To me it is a no brainer(might be different for others) My safes are to keep thieves from carrying my firearms off, the insurance is for fire and any other damage that might incur. I set the values of the total policy and they let me write values on my higher end firearms,so if anything does happen, I can at least be compensated somewhat.
" The strongest reason for the people to retain the right to
keep and bear arms is, as a last resort, to protect
themselves against tyranny in Government...." - Thomas Jefferson