D,

While you should check the details of your specific policy, most standard home insurance policies will cover your firearms as they are considered your personal property.  Like other items of personal property, your home insurance policy should cover these items in the event that they were destroyed or stolen minus the appropriate deductible.

There are limits to the amount of coverage, however, that an insurance company will provide for any one particular item.  Typically, a standard home insurance policy will cover up to $2500 for firearms.  If you feel that you need additional coverage above and beyond what is included in your standard policy, you should look into purchasing additional insurance coverage from your insurance company.

Thanks,

Your Agent at HomeInsurance.com