I have a rider on my home owner's policy and it doesnt run me $500 a year. I was looking for a very long fire time, very heavy, large capacity, plenty of bolts, thicker side walls, predrilled for mounting, and a few other things. Basically I was wanting a good safe probably more of a commercial safe and not a standard homeowner style. Locks and safe only keep honest people honest, if somebody wants it, they will get it!