Not much. Really. If your car is stolen and used as the getaway car in a bank robbery, you have 0 liability if anyone is killed in a police pursuit. This applies even if you are not aware of the car theft. If your firearms are stolen from a gunsmith, you have 0 liability if they later turn up in the hand of a murderer. This also applies even if the murderer used your firearm. There are those who have firearms at vacation homes and their barns, they are not aware of a burglary and firearms theft at once. "Officer, I was here in dove season and I haven't had any reason to look at my shotgun until you called." Typical response. People go on vacation and leave their CCW at home. If someone has to go out of town for a tractor or parts, often firearms are left in a pick-up and sometimes in plain sight in a gunrack. When you realise a firearm is missing, call your friends and family first. When noone has borrowed it, report it as stolen. A report might be made or in some jurisdictions a DIY form might be mailed to you and some places do the report by telephone. Insurance is iffy. Oftentimes a rider must be bought to insure firearms. Homeowners does not cover much, NRA members loss insurance is not worth much either in my experience due to the reporting window of opportunity. A neighbour had his safe stolen. When the numbbrains couldn't open it, they dumped it in a lake. Three months later when the numbbrains were caught, they confessed where they dumped the safe. Three months in a lake didn't improve the value of the firearms. If a firearm is recovered through simply being found or a pawn shop detail finding it, you will get your firearm back quickly. Condition? Depends on who is running property/evidence lockup. Electric engraving, scratched in ID numbers/case numbers and the ammunition might not be returned. A firearms owner should be fine if their firearms are stolen. The police don't usually go out of their way to recover firearms in my experience. If they trip over them, you will be contacted. If you move and leave no forwarding address, there won't be a CSI-Miami effort to find you with GPS. LOL