A friend and co-worker told me that our insurance company, USAA, only insures guns for up to about $300 or so.
If at all possible, it is certainly best to take guns from a car into a home only from a dark area, or disguised in a large container with a different shape.
Anything is better than letting strangers passing by (even neighbors) spot a gun bag etc.
Some, even neighbors, will talk about it, and nobody can predict whether the next guy to hear about it is a brother-in-law etc who has a drug problem etc, or is just a straight career criminal.
I read about a guy who bought a bunch of east European 7.62x54R ammo at about an 80-90% discount from a co-worker who had taken her husband's ammo, and maybe also the guns for quick cash.
She had probably followed the standard female trick of having the house locks changed. Young guys-be aware of this.
Women gladly "circle the wagons", and quickly advise each other on very practical ways to divorce men and control the situation, with little or no warning...
She said that the (Bulgarian, Serbian or Russian) ammo cans had "funny-looking words on them".