I'm an insurance agent. My points are general as I dont' know your exact policies or contract language and I'm not advising anyone specifically, but there are several points to consider.
First, your personal property section of your home may only be covered for actual cash value. You need to check your policy and to be sure that you have purchased "replacement cost" coverage. Otherwise your mount would be valued at garage sale value on the open market at the time of the loss. (pictures are valuable to the extent that it is up to you to evidence your loss)
Next, your mount may either be excluded property (never covered) or subject to reduced coverage limitations. Many forms will reduce coverage for anitques, art, curios, collectables and items of increasing value due to their rarity. These items are usually restricted to ACV (actual cash value) rather than replacement cost.
So, what to do? Most companies will allow you to schedule or "float", and insure items seperately. Many of these floating contracts allow you to have an "Agreed Value". A price set for the property that you will be compensated with, without questions asked. What's the right number? The number that you can reasonably demonstrate is the item's value to replace or reproduce. Technically your value in your personal property is that property's A. saleable price or B. the cost to replace it with like kind and quality. One can't be compensated for emotion or distress at the loss of an original. Also in this light companies balk at figures beyond norm for replace and repair because simply put they don't want the insured to have a profit motive where they can "loose" the item, get $ for it, buy a replacement for 50% of the isnured value and have both a mount and cash.
Scheduled items are "usually" not subject to deductibles, can require appraisal or replacement evaluation, and may or may not use agreed value as a replacement method. You need to ask these questions of your agent/company. Understand too that standard replacement conditions of policies say that the co can do what is cheaper; repair, replace or cash you out at THEIR discretion. While a new 170 4x4 mount might be $650, to repair or remake your precise mount may be much higher. If you want to maintain your mount, should enough of it remain after the loss, you need to be sure you have insured to the value to repair/remake it.
Last word on insurance... your guns. Most, not all, home policies have a restriction for loss by theft of firearms. Uusally less than $2000/incident. There are guys in this room with greater replacement value of their collections than the entire coverage inside their personal property section of their home policy. Scheduling guns (should) remove the theft restriction and provide a second limit of insurance so that your PP section of your policy can go to your furniture/wardrobe/tools/house-wares etc. Most large collection owners that don't buy other insurance will never see their collections again after a total fire loss to their homes. They'll burn up the whole PP limit getting the rest of their necessities back and run out long before buying guns.
Sorry, last word.. for real... Your policy is either named or open perils. Scheduling gives you open perils (again usually) That means that unless the policy specifically says a loss isn't covered, it is covered. Named perils lists what's covered; theft, fire, explosion... and if it isn't named it's not covered. So if a mount fell from 14 feet on the wall and busted both antlers, a named perils policy would deny the loss, an open one would cover it. There's no named peril of my stuff fell down.
