Insurance and gun safes are for "piece of mind". So everything is peaceful until you have a loss, then you learn the rest of the story. Our local county sheriff offers a home inspection with a focus on preventing burglaries and break-ins. He has seen our meager collection and concluded it's not the stuff smash and grab types are going for. They first hit the medicine cabinets and the likely spots to store modern firearms that can be used or sold on the streets. Antiques and contemps are too conspicuous to pawn or sell. His opinion is good locks and a simple alarm system and keeping the collection out of the public view. There are tons of easy to use security devices to help protect you and your goodies. Of course a high end collection can be targeted and professionals make away with all your treasurers never to be seen again. It was accordingly a planned "hit" and the things they took may have even been paid for in advance of the theft. We never carried adequate insurance to cover our stuff. I added coverage about 3 years ago and then dropped it this year. It was not "cheap" by any standard and had a $5000 deductible. There was a neat feature if one were to travel a lot to shows you had coverage but in the end that was not sufficient reason to keep it.
But you do what you need to do to sleep at night....when you are away!
