I signed up for the NRA coverage and also have homeowners which would cover a couple of my guns. Good records and lots of photos.
My current policy with Lockton Affinity (I have it right here) states that documentation is only required if the value of the firearm is over Three Grand, of which I have 3. The rest are less than and don't require photo and serial number identification with Lockton, just my personal pictures and inventory.
Besides, if Hillary has her way...(tongue in cheek), none will be worth more than 100 bucks when you turn them in.....lol
That is unusual. Most homeowner policies only cover 2500 bucks loss.
I was an adjuster that handled large losses for many years and I unintentionally cheated people who lost guns in fires for years by applying the $2,500 policy limit. The policy limit is for theft but loss due to fires or other named perils are up to the personal property policy limit. Guns destroyed in fires are easy to document because the barrels are in the debris with serial numbers normally readable. I handled a lot of arson claims where the homeowner caused the fire. I never had an arson claim where the owner left good guns in the house. When you investigate a suspicious fire, the first thing you look for is the remains of guns.