Are my guns covered by my homeowners insurance?

Your home insurance will usually cover your guns for theft or damages through your personal belongings coverage - however, that is subject to coverage limits that might not totally cover your loss. If you want to add additional protections for your rifles, I recommend speaking with your insurance company about a rider/endorsement. This will allow you to raise your coverage limit for your guns, specifically. Bear in mind, this will come at an additional premium.