Does Homeowners Insurance Cover Guns? 
Typically if you have your firearms scheduled -LRB- individually listed and paying additional premium -RRB- yourdeductiblewill not apply . Otherwise -LRB- if not scheduled -RRB- your firearms areusuallycovered under your standard personal property coverage , and yourdeduciblewill apply . This way there is typically a per item cap . So lets say the per item cap is $ 1,500 , and you have a firearm of $ 2,000 stollen from your home , you would only have $ 1,500 of coverage minus your deducible . Some insurance company do ask if you own any firearms such as Electric Insurance Company -LRB- owned by G.E. -RRB- . The answer to this question my exclude coverage if not scheduled . 