I have been using collectibles for years. They are not afraid of high value machine guns as long as you schedule them.
only take a large deductible if the savings makes sense. If you have a small deductible and you don’t want to file a claim you just don’t file the claim.
Typically it is hard for a higher deductible to make sense unless the premium on the policy is very large (over 350,000). As in everything there are exceptions.
Collectibles will put a flood exclusion on a property that is located in a flood zone but will cover stuff for flood if you are not in a flood zone ( my experience I don’t live near the coast)
I like collectibles the best. Never had a claim so no experience with their adjusters.
I am in the business and will help anyway I can. ( I don’t sell gun insurance)