Originally Posted by
686 Shooter
It's not just insurance companies, all companies have a motive to make a profit, that's business. The vast majority of insurance companies do not require a list of everything you own. They have a blanket limit to cover all your possessions. Some have limits for certain types of possessions though. in this case you either disclose that you have items that exceed the amount of coverage and pay an additional premium or live with the limit of coverage should something happen.
You hit the nail on the head Rocket_James. Read your policy, ask questions, and look at different insurers if needed. There are companies out there that treat firearms and reloading equipment like any other content of your home. No additional premium needed, no disclosure required. You have to shop around, ask questions, and get an insurance policy that fits what you need. That's why I always recommend that folks speak with an independent insurance broker. They don't represent only one company and can work with you to find the company that will meet your needs and a premium you are comfortable with.
Cheers