The major issue for me and others, is that a lot of my guns are no longer in production -so going by used vales or by selling/getting values can be a very wide margin
Example - I have a Browning Gti O/U - sold for 1200 new, bought it for 1000 on closeout, they currently sell for $1400 -what is the insurance company going to give me?
Once I determine THAT, then I can set values for insurance purposes. I know that MY homeowner's has told me that self-insurance via a safe was cheaper than adding a rider
BUT there is a company, called Collectibles, Inc, who insure ANY type of collection - cars, stamps, guns, etc. where $25K of guns, assuming you have a safe, will run you about 200 per year