I called State Farm and asked if I had insurance on my guns. She said yes my home owners policy covered it. I asked what if I was hunting and I fell in a creak and broke the stock on my shotgun. Well, its not covered she said. So, I took out a separate policy that will fix, replace or what ever it takes should I brake my shot gun stock or have a over charged load and get a Kaboom and blow my Glock up! I guess what I'm getting at, it wouldn't hurt to check if your guns are protected against breakage when your out with them. She asked me which one I would have out the most. I said, well I shoot them all when I target practice. I wasn't about to say I CCW with my Glock. That brings me to this, I have NRA self defense insurance that's not a bad idea either. $2,500.00 cost me $38.00 per year.