It's been a wild and whacky window of weather at the Kayser homestead over the past month, and because of it I've had some home damage. I've also had second thoughts on my insurance company, and as I research new options I'm reminded that most homeowner policies only cover firearms for up to $2,500.

Did you know that? Are the companies picking on us as firearm owners? I had forgotten about that small detail that was written in even smaller type on my policy, but fortunately I have a rider to cover any extras. Do I think the companies are picking on you and me? I doubt it. They do the same for jewelry and expensive items like art or fine china, but that doesn't make it any smarter to overlook your ownership of a fine Parker shotgun or a Picasso original painting.

I do know a few folks who simply refuse to go the insurance route and instead insure the items in their own way. One guy I know invested in a heavy-duty vault, a home security system and a concealed carry permit. To each his own. His theory is if they get past the security system, the vault will almost surely stop them. If they manage to crack the vault, he's optimistic they won't make it past his scattergun and handgun. I think he's on to something.

In closing, be sure to look at your insurance and how much coverage you're allowed for your firearms.