Gun Control & RKBA
In reply to the discussion: The Trayton Martin shooter had a concealed weapons permit [View all]Atypical Liberal
(5,412 posts)In fact, I do carry an umbrella insurance policy, but they didn't even ask about firearms when I bought it. Likewise when I bought life insurance.
In fact the only time I ever had to bring up firearms with any insurance agent was when I wanted a rider for additional coverage to cover the value of my collection.
Otherwise, insurance companies just don't care if you own firearms.
You know why? People who are well-off enough to buy optional insurance policies like this are extremely unlikely to be involved in gun crime, and accidents with firearms are fairly rare. Firearms don't even make the top 10 nonfatal injuries in WISQARS. And while unintentional injury is the #5 cause of death in 2009, firearm-related deaths make up .5% of those deaths.