Can you get insurance on guns?

Homeowners Insurance will typically provide coverage for guns in the event of burglary or fire. Be sure you know the value of your guns, and discuss any valuable firearms with your agent to make sure you have the right amount of coverage.

What is considered personal property for insurance?

Personal property is the stuff you own — furniture, electronics and clothing, for example. Whether you own a home or rent an apartment, insurance policies typically include personal property coverage. This type of coverage helps pay to repair or replace your belongings after a covered loss, such as theft or fire.

How does gun ownership affect insurance?

Owning firearms does not affect homeowners insurance premiums. You can add more coverage in the form of a higher liability insurance amount or scheduled personal property insurance — this will raise your premium. But just owning guns will not change the cost of your homeowners insurance.

Should liability insurance be required for gun owners?

Since I first wrote about gun liability insurance in the wake of the Newtown massacre, three states — Connecticut, Massachusetts and California — have introduced bills to require that gun owners purchase liability insurance. The proposal is designed to protect both owners and society from the misuse of firearms.

How does self-defense insurance work for gun owners?

In some cases, the carrier will provide upfront funds for your legal defense in the wake of a gun-related self-defense incident. Other insurers will only compensate you upon the resolution of your case. Coverage amounts vary widely and some policies might offer much higher limits than others.

What is concealed carry insurance?

Concealed carry insurance, also known as CCW or firearm liability insurance, is a form of low-cost coverage that provides legal protection if you use your registered firearm in a self-defense situation. As more people carry firearms to keep themselves and their families safe, an increasing number of gun owners are considering the purchase of

Do Gun Owners get a discount on insurance for gun locks?

The opposite is true. If they had gun locks, training or safes for their weapons, insurance companies would likely give them premium discounts. So they’d be rewarded for responsible practices. I imagine hunters and collectors would receive the biggest discounts.