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

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