The policy at my house covers the guns in the same category as the TV or couch
There is usually a limit of about $2500 on such policies. That wouldn't begin to cover one of my shotguns, let alone everything else. You would either need to add a rider or get a supplement from one of the companies that insures collections.
Remember, no safe is totally fire or burglar proof and NONE ever hold what they say they can; that is especially true when you add in factors like scopes, AR-type handgrips, etc. so take the number you have and double for the here and now, then double it again fir future additions and you might be close to having enough room.