General Discussion
In reply to the discussion: Bill Would Force Calif. Gun Owners To Buy Insurance [View all]TreasonousBastard
(43,049 posts)such insurance would have to available before it's required, and I haven't heard much about insurance companies jumping all over themselves to get into this new market.
If you look at your homeowner's liability coverage, it probably excludes firearms so you would have to replace your policy or buy expensive coverage to cover your guns--just like your liability coverage doesn't cover your car, so you have to buy a separate auto policy.
And, what would be covered? Accidental discharge would be assumed, but how accidental is it if you shoot a perceived threat that isn't a threat? How about your insane kid taking the guns to church and blowing away a good part of the congregation? Is the coverage on-premises only, or if you are carrying? Restrictions on gun storage? And many more questions...
Maybe a good idea, or maybe not, but not an easy law to pass.