IIRC no insurance will cover the stock of a gunstore.
You may not have the tools or skill but you never know when you may hire somebody who does.
Cheap silencers are your bread and butter there. A local sot is cranking out cheap cheap .22 cans made from a AR flash hider, 1 inch OD tube, 1 inch ID tube, and fender washers. He's sold a metric ton of them for something like $100 each....probably has $20 in each, takes 10 minutes to assemble. Very crude flat baffle can but it gets the job done even though its essentially a throw away can. He's even sold some to the local leo to dispatch animals like deer that has been hit by a car.