As mentioned an insurance policy is the best thing but you have to have it spelled out in detail or you're SOL. I have a Liberty that I really like. I went with a dial instead of electronic.
Fort Knox, just had a fire, Fort Knox is replacing the safe for free, lifetime warranty. you Could tell the guns had been in some heat but all actions worked.
Got a field and stream for 299 (60%off)from dickssportinggoods when they were getting rid of hunting section, I bought tons of stuff at ridiculous prices.
Like the safe, but it's not water proof meaning smoke around it might get in I guess. If someone has fire and waterproof I would definitely suggest dehumidifier of some kind.