I've been insuring my firearms through the NRA Lockton Affinity program, which, for a fee, allows you to add any amount of coverage on top of the modest amount that NRA membership provides without additional charge. At renewal time this year, I got to thinking it was getting kind of expensive...
Some time ago, someone here recommended Collectibles Insurance Services (Collectibles Insurance) as a better option. So I checked them out. They sell a lot of firearms insurance, though you can also fold in coverage for coins, art, stamps, edged weapons...anything likely to be excluded from your homeowners policy. The website was problematic for trying so submit an application online using either Chrome or Safari, but the humans on the phone were helpful, and I had an application in, approved, and paid for in just over 24 hours.
It cost just 55% of what I had been paying Lockton, and for that premium I even bumped up my coverage by a few thousand--because unlike Lockton, Collectibles Insurance covers ammo, and accessories like spotting scopes, chronographs, reloading equipment. It's a huge improvement over my old coverage, and I'm saving a lot.
OK, you don't really know how good an insurance company is until you file a claim, but so far I'm impressed!