I had a friend that had his insurance company send an appraiser around to appraise his collection. When they realized how many firearms he had they sent him a letter cancelling his insurance policy, their reason being that he was deemed by them to be a "Morale Hazzard". The letter was followed by a visit from the local fire department demanding to see his ammunition storage at which time he was informed that in the event of a fire the fire department would under no circumstances enter the building but merely provide fire protection to the neighbouring houses.