Banning assault rifles will do no good.

[Honeycombe8]

64. Reminder: We're talking about insurance. Don't get carried away.

I have a gun. There is next to zero chance it will ever cause any property damage or bodily injury.

I have a car. It is almost certain that it will cause property damage or bodily injury.

Insurance is based on the likelihood of, and the amount of, damage that insurance companies have to pay.

That's what insurance is all about. It's mainly to protect the owner of the item. Because the injured party can always sue for damages; the insurance protects the defendant from having to pay out of pocket for those damages.

Homeowner's insurance also covers all sorts of accidents arising from negligence at a person's home...don't know if that includes guns, but it might. But it doesn't cover car insurance, so car ins. is required separately.

Ins. for guns separately, there's no need, so it won't happen. There is also no need for separate ins. for knives or crowbars or fire....to the extent these accidents/negligence happen at home, homeowner's ins. will cover that, I believe.

Of couse, insurance NEVER covers intentional infliction of bodily injury.