Insurance for sure. Safe possibly.
READ whatever policy you get and understand clearly what is covered. Insurance pays you in case of loss - necessary (unless you consider "self insurance"). A Safe helps prevent or minimize a loss - if you go this route - it needs to be a good fire proof safe in a "good" location, secured to make it difficult to break into.
Depending where you are and your feelings on the matter - Benneli, Mossberg or Smith and Wesson not a bad idea.
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