DOes owning a gun prevent or increase insurance premiums?

by Guest » Sat Aug 11, 2012 10:07 pm

I have a gun but have never shot it nor do I shoot any other weapons. Will the insurance company increase my premiums or say I engage in "any risky behavior" because of it?

thanks in advance

Total Comments: 3

Posted: Mon Aug 13, 2012 05:32 pm Post Subject:

OK... the quick answer is "no." But this BEGS other questions...

First of all, please make sure that you're aware that coverage for the theft of firearms is limited in your policy. Most contracts will not pay for more than $2,500 for loss by theft.

But here's what I'm really wondering about:

I have a gun but have never shot it nor do I shoot any other weapons.

Why on earth do you HAVE a gun in the first place? This isn't a personal shot at you (no pun intended), but one of the biggest problems with gun owners is that they don't have a clue about firearms.

If you've never shot the weapon, how are you going to be able to use it, if and when, you need to? Do you even know how to load the gun? Clean it? How do you have any idea how accurate you're going to be? :shock:

So again, why do you even OWN a gun?

InsTeacher 8)

Posted: Mon Aug 13, 2012 05:33 pm Post Subject:

That last post was mine. Stupid screwed-up log in.

InsTeacher 8)

Posted: Wed Aug 15, 2012 09:11 pm Post Subject:

:roll: You ought to be shot for that! :roll:

Having a gun with no experience in gun ownership or the use of firearms is not something the insurance companies are currently concerned with . . . at least not to the same extent they are concerned about people who own dogs.

The inexperienced gunowner probably has less chance of injuring someone with the gun than his pit bull has a chance of biting or killing someone. That's not to say that the OP's child couldn't lay his hands on the weapon and kill a neighbor child -- and for which his homeowner's insurance will pay the policy limit on a wrongful death claim.

I'd be willing to bet that the OP's gun isn't even loaded. My wife occasionally asks if my shotgun (near the bed) is loaded. If it weren't, all I'd have for personal protection is a bat -- and not a great one at that. (We have some goofballs in our state legislature here in CA that want to effectively ban almost all long guns in the state, so I may eventually have to get a real bat, and then figure out how to use it. Or load it.)

So, I, too, ask the question, What could you possibly want a gun for if you have no experience in using one? Will you ever take the time to go to the range and fire 50 or 100 or 1,000 rounds and see if you can even hit a target (the one you're aiming at)?

Or are you just trying to emulate Jack Bauer?

Scary thoughts. Maybe your insurance company should be worried.

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