I'm aware there are companies who offer personal firearm insurance that will cover the loss of firearms and some accessories (magazines, scopes, etc.) due to fire, theft and the like, but I haven't seen any that will insure ammunition.

It's not ammo per se, but will any of them cover reloading components such as primers, powder & bullets? Given the recent price increases, you can have significant value in those items if you had to think about replacing them.

Eastern Insurance: The Historic Firearms, Collectibles & Sporting Arms Insurance Program.

I would check with the agent who has your house policy. I know that guns are either not covered or usually covered up to a very low amount of loss. I've never heard anything about reloading components or ammunition being excluded from coverage but your agent should be able to answer the question. We have a certain amount of coverage on our house and a certain amount on the contents of the house. Unless those things are specifically excluded then you should have coverage.

I use Lockton Affinity, LLC. Have used them for several years. Easy to deal with. Includes my scopes etc.

Depending on the value of your collection, insurance from anyone that is reputable isn't cheap.

Collectibles Insurance out of PA