Quote:
Originally Posted by freakout
Insurance is easier.
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...but replacing some instruments is not.

Often the best one will do is find a replacement guitar that is similar to the one that was lost. Colors (for guitars) change almost every year, trem systems change, figured tops can take a while to find, etc. Replacing guitars can be a very difficult and drawn out process for most folks so it makes far more sense to avoid a problem then to solve it, insurance or not.
That said, there are (2) main reasons to buy a guitar safe.
The first one is first protection. All gun safes are rated for to withstand up to X temperature for Y time but consider this - guns are primarily metal with a little wood and/or plastic whereas guitars are mostly wood. I don't know how a guitar finish would hold up after being cooked in a safe for a few hours.
The second reason for purchasing a safe is theft prevention and safe will only deter all but the most determined criminals if it's securely bolted to a floor (with steel plates for reinforcement) or a concrete foundation. If thieves can move the whole safe to crack open at their leisure, they will.
Also consider that if you have a large safe, thieves have no idea what's in it. They may think that there are firearms in it when there's not. Thieves generally steal things that they can resell and there's always a demand for illegal firearms, even more so than vintage guitars. In a way, putting your guitars in a safe makes them a false target.