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- sorry MISK]
They will increase your premium when you specifically insure the guns based on their value. That's called scheduling, the form is HO-61, and it's added to your homeowners. 
If you have a homeowners policy, the premium does NOT go up because you have guns in the house, not in Florida and not under the ISO standard homeowner's policy. Because this could affect you, a simple thing to do is call your agent because I may just have some more questions you can ask them....
You are not required to tell your agent about the guns, but you could be out a lot of money if you don't. You can schedule your guns on your homeowners insurance (here in FL it costs approx $3. per $100 in value for fired guns, $1.50 per $100 for collectibles)
Standard homeowners policies (not including State Farm ~ they write their own policies) usually follow the ISO HO-3, if you have that... You have $2000for THEFT of guns and that requires VISIBLE signs of entry. You get the door smashed in, and stuff was stolen, that's visible signs of entry. Also, you must prove your loss ~ which means have an inventory, pictures and lists with serial numbers or descriptions, values, etc. It's a whole lot easier being paid for a claim because you could prove the loss than trying to build and inventory afterwards and nothing to document the items.
It is my recommendation that you schedule guns. You get "All Risk" coverage when you schedule, so if you were out hunting, left your prized shotgun on the trail and never saw it again... that is mysterious disappearance, when scheduled, covered, when not schedule, you are SOL.
Works the same for jewelry, silver, fine arts, golf equipment, musical instruments, etc... it's not expensive and it's better to have it than not.
But again, I have never heard of an insurance company that would increase your premiums just because you own guns. If that were the case, nearly every insured in Florida would pay more, cause these are some gun lovin peeps down here
*if your homeowner's company doesn't 'schedule' then ask your agent to get you a quote for a Personal Articles Floater for the guns.
