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Liability insurance for gun owners

Posted: Thu Jan 27, 2022 1:29 pm
by gimgim
I was wondering if anybody has experience with this.
Is it per firearm? What are the approximate costs? I couldn't find much info online
Thanks!

Re: Liability insurance for gun owners

Posted: Thu Jan 27, 2022 2:55 pm
by jhmartin
Your state government has not posted the details yet. First in the nation
They really don't want you as a gun owner there. Might be cheaper to move

Re: Liability insurance for gun owners

Posted: Thu Jan 27, 2022 4:32 pm
by gimgim
> Might be cheaper to move

It's cheaper to move away from the Bay Area even if you are not a gun owner :-) but my job is here for now.

I am trying to figure out whether I should get rid of the free pistols and get a nice air rifle instead.
It's a sport/hobby for me, so .22lr or air makes no difference. Self defense with the CM84/Toz is not an option anyway.

Re: Liability insurance for gun owners

Posted: Thu Jan 27, 2022 4:55 pm
by m1963
Call your insurance agent and ask them about an umbrella policy, to cover your area of concern.

Re: Liability insurance for gun owners

Posted: Thu Jan 27, 2022 6:33 pm
by rgibson
Good luck getting any major insurance company to cover anything gun-related on any kind of policy they might write. Are you sure you are safe if someone steals the air rifle you changed for and robs or injures someone with it? Depends on how the law is written. Funny; you can't expect people to get an I.D. to vote but you can force them to buy insurance to exercise a constitutional right. We will see what happens in the courts.

Re: Liability insurance for gun owners

Posted: Thu Jan 27, 2022 7:58 pm
by atomicgale
Perhaps a massive earthquake will sink Kalifornistan, saving everyone thousands in attorney's fees.

Re: Liability insurance for gun owners

Posted: Fri Jan 28, 2022 12:46 pm
by Green_Canoe
If I read the news article correctly there is no penalty for not being insured. Did I misread?

I'm surprised the coalition of poor people hasn't objected yet...

Re: Liability insurance for gun owners

Posted: Sat Jan 29, 2022 8:52 am
by bdutton
I didn't read the story... does it require insurance on existing firearms owned, or just to purchase a new one?

Re: Liability insurance for gun owners

Posted: Sat Jan 29, 2022 12:33 pm
by rkittine
Fortunately I have an Umbrella Policy that I got years ago when they did not excluded, firearms or their use, scuba diving and flying, all of which I do. If I ever were to let it lapse, I would never get it back.

Bob

Re: Liability insurance for gun owners

Posted: Sun Jan 30, 2022 6:58 pm
by atomicgale
rkittine wrote: Sat Jan 29, 2022 12:33 pm . . . they did not exclude, firearms or their use, scuba diving and flying, all of which I do . . . .
What? They excluded sky diving, cage fighting, lion taming, and living anywhere in California?

Re: Liability insurance for gun owners

Posted: Sat Feb 05, 2022 1:10 pm
by rkittine
Actually Sky Diving was not excluded, but I am not sure of the others. Wasn't an issue for me.

Re: Liability insurance for gun owners

Posted: Sun Feb 06, 2022 10:23 am
by spektr
Heres a scenario for you.

A city resident finds that no commercial insurance exists and forces the city to become the insurer of last resort.
And Then sues them over affordability