Whatever else you do, do not discuss propellants (a.k.a. gunpowder) in any conversations with your insurance people. For their purposes, pretend these things don't exist.
If you're really risk averse, keep your level of powder supply under the recommended poundage. In case of a loss that involved causation or aggravation due to the presence of gunpowder, they might disallow a claim. They are always looking for ways to deny claims. You'd be devastated if your house burned down, the ins. co. investigation determined you had over the "correct" amount, and they wouldn't pay off.
In 37 years, I'm on my fourth company to provide homeowner's insurance. I was with the first one for over 30 years, zero claims. Then we had a couple of claims and it was sayonara. Then I became a risk to insure and had to do all kinds of things to get insurance. It's calmed down now, because I've been "rehabilitated" (an ins. industry term, like I was a broken down old Communist who'd gotten religion). I had company inspectors come around; some didn't like things they saw. One objected to the amount of firewood I kept on my property, as an example.
If you're really risk averse, keep your level of powder supply under the recommended poundage. In case of a loss that involved causation or aggravation due to the presence of gunpowder, they might disallow a claim. They are always looking for ways to deny claims. You'd be devastated if your house burned down, the ins. co. investigation determined you had over the "correct" amount, and they wouldn't pay off.
In 37 years, I'm on my fourth company to provide homeowner's insurance. I was with the first one for over 30 years, zero claims. Then we had a couple of claims and it was sayonara. Then I became a risk to insure and had to do all kinds of things to get insurance. It's calmed down now, because I've been "rehabilitated" (an ins. industry term, like I was a broken down old Communist who'd gotten religion). I had company inspectors come around; some didn't like things they saw. One objected to the amount of firewood I kept on my property, as an example.