That first part is tough, but planning protective placement of the safe is crucial to help in preventing such things as well. Insurance isn't just a paper policy you buy from strangers, it's a pattern of choices you make in the mean time too. I've seen people put their safe in the same room as their firewood stack for their stove/fireplace with every nearby wall made of wood panels and just wondered why they even bothered spending money on any kind of fire rated safe. The more concrete, brick, steel or other non-combustible material that is around your safe and the further away from the 2x6 kindling sticks most people have in the walls of their house, the better your chance of keeping the heat off of it if there is a fire. If you build a vault, that is exactly why they are made from concrete and placed underground whenever possible. People who rent might have less options, but people who own have the choice to do this more intelligently.My advice is don't cheap out. I know too many people who have $20k+ worth of guns in a $900 Costco safe. Just doesn't make sense. Also, my hometown was just ravaged by fire this last October and a lot of safes did not survive, and the people who spent for good safes that survived still lost any cash, paperwork etc that was inside because of the extreme temperatures they had to endure from the home being completely engulfed. Other than that I agree with P2.1 completely, leave yourself plenty of space for growth. I purchased a safe about 8 years ago and thought it was enough, and I filled it immediately. The number of guns they're rated for apparently doesn't include the space taken up by optics, pistol grips or both.