If your gun is used in a crime, you should be charged with a felony.

[NickB79]

156. My guns are already insured for theft, fire, and accidental discharge through our homeowner's ins.

It adds an extra $30/yr to my policy to insure 3 hunting rifles and a shotgun (around $2500 in value).

My homeowner's insurance would cover an accidental shooting that happened on my property, just the same as if a contractor fell off my roof during a project, or a tree fell on my neighbor's car.

If I shot someone in self-defense on my property, I'm not liable if the police rule that a justifiable shooting. And my response to a threat would be to grab my kid, my wife, my phone, THEN my gun, and lock ourselves in a room until police arrive, so there's that.

And since insurance companies by law can't be held liable for intentional criminal acts, they'd never pay out if I murdered someone with my guns, any more than they'd pay out if I set my neighbor's house on fire.

I'm not sure, honestly, what would happen in a hunting accident if either I shot someone, or someone shot me, but I'm assuming insurance would still kick in to a degree. But since hunting accidents are so rare (~500 per year, out of tens of millions of hunters in the woods), and I always wear blaze orange head-to-toe, I'm not overly concerned there.

What exactly do you want added to current firearms insurance policies then?