I just add anything in excess of the $2,000 cap to a "Valuable Personal Property" policy. So it's kind of one by one, where I'm not paying for coverage I don't need. If I get another gun I add it's value, if I sell one I subtract it. I have somewhere in the neighborhood of $7k above the cap on the valuable personal property for guns and the premium is $101/yr. I've got other stuff on there too for another $20k and it's $162/yr. I think the NRA gives you the option of cheap insurance too. Depending how much you need, it may be worth looking in to. If you have a safe, they may also guarantee your firearms up to some value.