does it cover firearms, ammo and all the likes?  fire flood theft etc?

You'd have to check your specific policy for your coverages. Flood insurance is a separate coverage/policy than your homeowners policy. Insurance companies are tricky take for example I purchased a home last year and two of the questions were 1) how many dogs do you have? 2) if you have dogs what breed are they? Allstate and most other insurance companies have a restriction on the number of dogs you have and their breeds. Anything over a certain number I think it was 5 if I recall correctly or of certain breed Husky, Pit Bull, Rottweiler, Doberman and ect. would disqualify you from policy.

Allstate and most other insurance companies have a restriction on the number of dogs you have and their breeds. Anything over a certain number I think it was 5 if I recall correctly or of certain breed Husky, Pit Bull, Rottweiler, Doberman and ect. would disqualify you from policy.

This is the type of BS I don't like.   Many policies don't tend to cover "high value items" from what I see.  When I had a home down south, I had to supplement it with a high value protection policy.  I have to do the same now with renters insurance.

State Farm insurance applies to theft only, I been looking into getting the NRA endored firearm insurance. So I would at least be covered for fire, plus a higher amount.

Talk to your agent, I did and when I asked this question it was stated that it is covered (monetary value).  Take pictures of your goods and have electronic copies of receipts (scanned) if possible. 

You have to look at three things:  total coverage limits, your deductible and "high value items."

Let's say you have less than the $1,500 limit in jewelry and your jewelry goes missing.  If you have a $500 deductible, then the insurance won't pay anything, because it's lower than the $500 deductible.   At that point, you would not even file a claim,

Now let's say your $6,000 watch is stolen.  You policy will pay whatever the standard limit for jewelry is, again $1,500.  Since the watch's value is more than the deductible plus the jewelry limit, you get the whole $1,500.  Of course, you have a loss value of an additional $4,500 which isn't covered.

That's where the high value item rider comes in.  For example, I looked at all of my limits of coverage, and for computers, jewelry, and firearms, the limits were completely inadequate to replace it all if a fire or theft took them.  So, I pay an additional amount each year for a high value item policy rider.  It supplements the standard policy limits for these expensive things.

Even if your total policy limit for contents is really high, you still need to verify these high value item limits.  Normally the insurance company won't cover more than the standard limit for these things if the limits exist in your policy.

Bottom line: pretty much everyone has high value items that will exceed the standard policy limits.  It's better to add that rider just to make sure!

Just bought the NRA ArmsCare Plus, cost $84 with fees for $8000 worth insurance includes accessories attached to firearms.

http://www.locktonaffinity.com/nrains/armscareplus.htm

Many insurance companies won't cover things like expensive jewelery, watches, etc.  When I got a new insurance carrier for my condo, I looked into this and my insurance agent recommended looking into specialty insurance carriers for my valuables, including guns.  I haven't done that yet, but this reminds me to do so. 

I've also gotten regular emails from NRA regarding no cost coverage, but I haven't looked into that. 

I got valuable personal property insurance from USAA. So far haven't had to use but I don't think the all state will cover anything. Check out all state on the web.