What is the coverage limit for firearms under homeowners insurance?

Homeowners insurance policies typically provide specific limits for various types of personal property, including firearms. The coverage limit for firearms under standard homeowners insurance is usually set at $2,500. This limit is reflective of the common industry standard that addresses the need to protect homeowners from loss or damage to their possessions, while also recognizing that firearms can be a valuable class of property.

It is essential for policyholders to be aware of these limits, as they may need to obtain additional coverage or a rider if they have firearms valued above this limit to ensure adequate protection. Understanding these specifics helps homeowners make informed decisions about their insurance needs, especially for high-value items.