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[quote=Anonymous][quote=Anonymous]The questions and requirements on gun ownership and safety need to be part of the homeowners policy process.  That way, there's a strong incentive for people to be honest and comply because everyone needs homeowner's insurance.  As some have pointed out, the coverage limit for accidental death is not very high, so you would think that insurers would offer and people would buy special gun policies that in turn would have more stringent requirements.[/quote]

NP and insurance agent here (also a gun owner, FWIW). Two issues here: first, if insurance property insurance companies were shelling out the kind of money in firearms-related claims that they currently have to pay out for stuff like trampolines, swimming pools, dog bites, etc, you can absolutely bet the gun question would be asked before any company would underwrite a policy.  There's a reason why certain items make a residence either uninsurable or a lot more expensive to insure; so far, legally-owned guns haven't reached that threshold. Secondly, and possibly more of an issue, is that customers routinely lie about what's on/in their property. Any insurance agent can tell you many stories about clients who swear up and down that they don't have a pool in their backyard of the home they're about to buy (and then the agent gets a copy of the appraisal from the mortgage company and sees a photo of said non-existant pool); the clients who "forgot" to mention the full-sized trampoline because they don't want to pay the rider fee and/or get dropped for having the dumb thing; the ones who try and pass off pit bull who bit a guest at their kid's party as Grandma's pet who was just visiting, etc. I actually think there would be a decent market out there for additional liability insurance that gun owners could purchase, beyond just a regular umbrella policy, but no way could insurance companies just expect all gun owners to be honest and pay a premium up front, and they're well aware of it.[/quote]

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