How, exactly do you put a value on a Rifle or Shotgun for insurance purposes ? I know that to replace my Winchester 1300 XTR would be very difficult. It's not made anymore. The Walnut Stock has a LOT !! of heavy curl in both the Fore end and the Butt Stock. I have looked, there is no new old stock out there, to compare it with. The Remington and Weatherby Shotguns don't have near the grade of Walnut that my Winchester has.

So, if I had to replace it someday, what would a Pump action shotgun with a high grade curly Walnut stock cost ?

Most Insurance Co.'s only cover $2,500 worth of firearms. With out a rider policy but they are very pricey.

was told to look them up and find a replacement value, then i never did get the rider was too spendy

You will need a written appraisal w/ photos. Then go shopping for replacement value insurance.

Same here, when I looked into that some years ago. The agent was surprised too, and said that’s something they should update and improve.

My 300 Weatherby M V alone is worth much more . Flame maple like the Aurora from forestock to rear.

Just as the above comments, the added rider is spendy.

I have my firearms insured with a separate policy from State Farm.
Had to list all the make, model, caliber, gauge and what I paid for each one.
They charge so much per $1,000 worth of replacement cost. Told me if I
had any that were individually worth more than $3500 they would have to
be appraised by a firearms appraiser with pictures and documentation.

I refuse to do this. I spent the money on large, fire proof safes and strong locks.

I insured mine. I didnt want to short change myself. get on gun broker. list them at the highest asking price

i had to provide a picture of each of them. even the cheap stuff

My ins charges 10 bucks per thousand dollars of rider coverage for guns and jewelry. They pay max 2500 unless there is a rider 160 if the house burns down with your safe in the middle all tha will be left is the barrel and receivers. Family friends house burned He had a cannon safe rated to 4000 degrees His jewelry looked great but his guns all the sticks melted or burned if it was wood

most of those safes are fire proofed with dry wall. it will still get hot inside. ruin springs and anything else tempered.

if your worried the feds will know what you have, dont. if they decide to confiscate they already know who the gun owners are. if your plan is to hide them i am curious to know why.

Here is a clip of a fire safe.all 3 million views
https://www.youtube.com/watch?v=zq4hYpkgT9s

My rider add on wasn't very much at all, and it's a good idea to lay out each firearm you own and take a bunch of pics, and record serial #'s with it. FWIW: I keep the bolt's etc separate from the firearms so they have little to no value to a thief. Also makes it easier for the cops and the maker notified of the theft to notice somebody shopping around for the bolts/parts to a stolen firearm.