A couple things to consider when reviewing firearms coverage. I recommend reviewing your coverage with your agent and reading the policy.... no really...read the policy. Policies and coverage can vary widely from form to form and company to company. Also, as with any advice you find on the internet, this is worth about as much as you paid for it. Proceed at your own peril.
1-The firearm limit is often related to the peril of theft, and may not be applicable to fire, water, collapse or other perils. How good is your safe?
2-Depending on the policy, the limit may include language such as "firearms and their accessories". Now you are looking potentially at you holsters, safe, reloading equipment, cases, bi-pods...you get the idea, included under the applicable limit.
3-If you "schedule" your firearms, you could be limiting a potential recovery if you are not keeping up with replacement cost. For instance an "870" was scheduled for 300 dollars, which was a good number 15 years ago when it was scheduled. But 15 years later, and when you suffer an applicable loss, regardless of the replacement cost for a like kind and quality "870"...which now costs $500, your still getting $300 bucks.
If your agent is decent they should be able to help you navigate how to proceed with sufficient coverage vs cost vs risk.
And here's to you never having to file a claim!