If you have several guns, a firearm safe is essential for your home. Your rifles, pistols, scopes and grips are expensive investments. And while you may think your homeowner or renters’ insurance policy will cover your losses in the case of theft or fire, you may find that your firearm coverage is relatively minimal when you read the fine print. Some cover only up to $1,500 or $3,000 worth of equipment. Moreover, they typically will only reimburse you the market value, or the amount you paid minus years of depreciation, which is much less than you’d need . . .

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