IMO: safe is the pinnical buy-once, cry-once item. At least for me, I dropped the money on a safe for things that insurance couldn't replace (documents, heirlooms, and such). I just so happen to own dangerous tools that conspicously look like guns and fit best in a safe designed for firearms.
After 10 years I have been really happy with my American Security BF safe. Too f-ing heavy. But security-for-dollar, I don't know of a better fire/security safe from a company that produces actual bank vaults.