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View Diary: Achieving Gun Control in the USA (93 comments)

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  •  I have been wondering about fire ... (1+ / 0-)
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    43north

    ... And have lots of questions.  How many gun owners take the precautions you describe? What are the risks to firefighters when a burning house contains loaded weapons or ammunition that is not in an appropriate container?

    Another thing I'd like to understand is insurance - does a typical homeowner's policy cover injuries from guns?  Do insurors distinguish between intentional and unintentional injury, and if yes what is the deciding factor (charges, conviction, ins co say-so...)  Does the insurance company cover only guns that the policy holder has told them about, so that failing to disclose ownership of a gun means no coverage for injury related to that gun?  Does the insurance company give a break on the premiums if the owner stores guns and related stuff safely?

    And looping back to the fire dept, does the fire dept know who has guns and the storage arrangement for those guns?

    •  Joy, that probably varies State-to-State (1+ / 0-)
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      OMwordTHRUdaFOG

      as it's your State which regulates your insurance provider.

      Often there's a upper limit to undeclared firearms, computers, jewelry, etc... that requires additional premium if the total insured value is above $2000.

      As to liability?  Your policy and agent can provide an authoritative response.

      Fire: A gun in a closet is not an issue.  IF there's a round in the chamber, that IS dangerous, as it discharges just as-if you pulled the trigger.  
      An unloaded gun isn't an issue.
      Primers on a shelf isn't an issue.
      Same for powder.
      It's rigid containment of powder, ammo and primers that makes for a problem.

      •  Searching the site of my ... (1+ / 0-)
        Recommended by:
        43north

        ... household insurer for "gun" only brought up spray guns for painting.  "Firearm" and "weapon" bring up nada, and I'm not about to call my insurance agent and forever have her wondering whether I have guns in my house.

        I appreciate your explanation about fire risk.  Thank you for this post, 43north.  Much appreciated.

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