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Of course they want the serial numbers and detailed notes and photo's why would they insure something they have no idea how to get back or prove value on should a loss take place.
I'm about to upgrade my insurance on a number of items and I'll list serial numbers identifying marks and take detailed close up photo's. Along with estimated values based on internet sales and current collector value books. The insurance company will have a copy I will keep a hard copy at home as well as in my safe deposit box. a 4th copy will be kept in a secure manor online.
ALMOST ALL HOME OWNERS INSURANCE ONLY COVERS BETWEEN $1000.00 and $2500.00 for firearms TOTAL not per firearm. I have a single rilfe that would take care of that.
Project cars not carring their own insurance are also not covered by your home owners. So if your Hot rod burns with the house your screwed. Best look into comprehensive insurance for any Vehicle or RV on your property.
Insurers are required to have sn's for firearms or else they can't insure them. They are not allowed to disclose info to anyone so I am not sure why everyone would be so concerned. So what if people had your sn's anyways, if you're not doing anything wrong or you're legally allowed to own a gun then what's it matter? Just my opinion but I'm sure all you survivalist, worlds crashing and govt is coming after my weapons kind of freaks are still going to lose sleep over it anyways lol...
I am an insurance agent and our agency specializes in insuring antiques/collectibles and gun collections. We are not required and do not require serial numbers to insure the guns. You estimate the value of the collection and only list guns worth 5k or more (no serial numbers). We ask information regarding what kind of records you have in case of a loss. The carrier validates the value of the gun (s) at the time of the loss. I reccomend keeping a list and pictures of the guns in safe deposit box or somewhere else away from the home (in case of fire or some other total home loss).
We have been in business since 1966 and started insuring gun collections in the 1990s. Collectibles Insurance - Protecting Books, Stamps, Antiques and other Rare and Vintage collections in Baltimore, Maryland
You can also check out:
NRA program through Lockton Risk
Corevens Insurance
Safari Club Internataional program
Eastern Insurance