Originally Posted by Dr. Vette
I suggest you investigate the ones I linked above as well as Fort Knox and other similar quality brands before making such a broad statement.
For the $1000-1500 models you see in most stores you are correct. However, you do get what you pay for. Pay attention to wall thickness, materials, and other factors. Most of the ones made with drywall walls (aka "fireboard") are junk.
You can buy a lot of years of Armscare insurance for even 1500 bucks. I look at it this way. You have them in a safe with the door closed, they are basically not available in an instant if you need them, in my case handguns...and, if your dwelling burns, it still gets hot in the safe so are the firearms still serviceable? Good question. How much heat will a snot stock take or a wood stock prior to degradation? How much heat will optics take before the internals go wacky? I don't know but with arms insurance, you don't need to know.
Much easier to replace them with new ones or take a cash payment, actually, that might not be all bad. Kind of a 'gun buyback' program but ACV instead of mandated by the gummit.
With Armscare other than being a member of the NRA, you don't have to list each individual firearm unless the aggregate value is over (I believe $2500.00). Under 2500, it's on your word.
The driving force for me was checking my homeowners insurance and seeing what they pay upon scheduled loss. My carrier pays $2500.00 total. That covers maybe 2 units. Not enough by a long shot.
I don't want to loose any but if I do, at least they are insured. You know about insurance, you live in Michigan like I do.
I consider any and every insurance policy just that unless you need it. Sort of a just in case scenario.
I just can't see spending a couple grand on a gun cabinet, I don't want to say 'safe' because the only thing safe is the firearms are safely out of your availability should you need them quickly.
IMO. a large sheet metal linnen cabinet would work fine for me. Just so happens I have a specially designed and built closet with storage.