I have been using Lockton purchased above and beyond my NRA policy. I started doing some research and came across Collectibles Insurance. Talked to them and they not only insure the firearms but scopes, ammo, and knives (if you're into costly knives). Covers theft, natural disasters, floods (certain "zones" excepted). No serial numbers have to be submitted. $22K of insurance was like $171 per year. Lockton is like $185 per year for roughly $14K coverage; add in the automatic NRA $5K for both my wife and together and it's like $19K in coverage. Doesn't cover everything Collectibles does though, as well as being more expensive.
What have you guys used? What are any experiences with recovery (reimbursement) after theft?
One final thought: no matter what kind of insurance you may have, if a new grandfatherless AWB passes you couldn't claim jack shit. I'm sure many insurance companies would breathe a big sigh of relief in that regard.
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