State Farm will insure up to a certain dollar amount, like $2500 or $5000 (I don't remember exactly), just by putting it on your policy. If you want more than that then you need to give them an itemized list.
I have State Farm, and added more insurance for guns. I did NOT have to provide a list.
But, I do keep proof at home. I have a list of guns and serial numbers. And I have pictures.
I have nothing but good things to say about Liberty Mutual homeowners.
They never asked for a catalogue of my firearms or any of my belongings up front.
I had 4 guns stolen in a break in. I provided them with photos and serial numbers after the fact (I had stored on a thumb drive). I also gave them a list of all the ammo, pistol boxes, safe, jewelry and electronics that were stolen or damaged.
Their policy is to replace items with the exact item or better, or cut you a check for the value (minus the deductible). The only thing they don't cover is cash, because there is no way to verify the amount.
They replaced all my ammo, including defensive ammo, two handguns, a pistol safe and a laptop. They even replaced my old milsurp Mosin-Nagant with a WASR AK.
I chose not to replace one of the guns to cover the deductible, and I had some money left over so they sent me a check for the difference.
I told them one of the guns stolen was my EDC, and they made sure I had a replacement within about 10 days. The entire process was really smooth and easy and they even covered the transfer fees to a local FFL.
Go through an insurer that specializes in guns, knives, etc.
I use Collectibles Insurance, they have been great for me. I inquired with my homeowners insurance first (Safeco at the time I believe) and their quote was ridiculous. They also wanted a catalogue of my collection with pictures and serial numbers......yeah right.
that's going back a few years. They may have changed their policy.
Speaking of going back a few years, I remember years ago on Ingo someone recommended Historic Firearms Insurance and that was used by a few people. Prices were reasonable, but no idea how good or bad they are. Here's a link: http://www.historicfirearms.com/
State Farm will insure up to a certain dollar amount, like $2500 or $5000 (I don't remember exactly), just by putting it on your policy. If you want more than that then you need to give them an itemized list.