Insurance 101
Milkmaster - You don't have to supply them with that info.
Get a third party appraiser to write a statement of value, keeping the contents confidential. If the company doesn't accept that, ditch them. They'd be the type to scr$w you. It's also helpful if you can find out who they use for claim appraisals - just to watch them lie about how they can't accept an appraisal from someone who they regularly accept.
I've never made a claim on an NRA policy but I think separate and distinct specialized coverage like theirs (or Lloyd's) is different from an umbrella like Homeowner's.
The basic's are for the company to ruthlessly increase profits. One way they do so is through denial of claims & payments as a matter of course. Read the policy VERY carefully - along with the annual and any subsequent changes the insurance company decides to make. They can and DO change horses in mid-stream - and in very fine print hoping you'll miss it. They also get to define terminology, it's in the contract.
In fact, they're counting on it - all the way to the bank.
Here's a horror story:
I was burglarized and lost my Benchmark knives (and claim to full value) because the loss constituted a "collection", which was covered differently - as did four wristwatches, and several other items of which I had duplicates.
In less than 2 hours I was at dinner 1 mile away, I was cleaned out of about 15K in property including a bedstand protection piece. (Hey, I was just going down the street for a few minutes... I don't leave home even to take the garbage out without it in my pocket now)
The insurance company whittled the value down to 6K (regardless of the 'full replacement cost' they find a way to depreciate it). I forget how they skated away from paying for the piece. They even refused any claim on my gun safe which had dents and crowbar marks on (Thankfully, it and it's contents were safe - just thrashed, they don't pay for that kind of damage).
If you make noise about it, they can cancel or 'fail to renew' your policy (they're free to do that). They then blackball you with other companies by canceling your policy, thereby making it more expensive to obtain coverage with another carrier. The only thing you can do is vote with your feet by canceling them first, AFTER you've obtained a new policy from someone else - then fighting with them to get refunded for your premium after you've switched carriers.
Gee, I'd go again to the Insurance Commissioner, but his hands are tied by the Legislators, who in turn are paid off by the insurance company lobbyists - whether directly or in contributions & 'support'.
Of course, I'd likely win if I went to court, which would have the loss 'mitigated by the Court' down to 12K, of which the attorney would get half - hey! Look at that!? 6k!
(minus my time off work, travel, deposition time, and senseless running around)
What a COINCIDENCE!! Funny how that works.
Get a separate, well defined rider policy - NRA or elsewhere.