I have State Farm, fortunately my mother is my agent. My homeowners policy covers up to $5000 but you can open a separate policy for anything over that.
That seems like a conflict of interest if you needed to file a claim.
USAA requires a serialized list of all the firearms/optics to be insured. I think $10,000 of coverage would probably be 20 bucks a month to insure. They do require you to provide PROOF of value at the time of a claim. Kinda odd if the proof you had was destroyed in the fire as well?
So they advise taking detailed pictures/keeping receipts or having an appraiser come in to pull figures out of his butt for your items. So I guess if you had to file a claim you better have all your info at multiple locations in case of a house fire. I don't know if they will pay out the replacement cost, say you bought a Russian SKS for $69 back in 1994. Today you insure it for $400-$500. The gun is lost in theft or fire, USAA wants proof of the value your receipt won't do you much good in that case I would think. Its not like you could replace that same SKS for $69 tomorrow so I wonder if keeping your receipt to show them would even make sense?