I asked my insurance agent about the guns/jewelry, and was told that they only issue riders if the items' replacement value is above a certain dollar amount. Ours wasn't, so I didn't purchase the additional rider. I was also informed they would write a rider for my sewing equipment if I used it for business purposes, which I don't. This was several years ago, so it's possible that's changed, and I neglected to ask about the value. It's entirely possible the agent was thinking about a $300 Singer, and if I had a $5000 (or more) longarm I would definitely revisit that issue.