Each year, 500 people in the United States die from unintentional firearm injuries. 154 of these deaths came at the hands of children. This is because over 4.6 million children live in homes with at least 1 unlocked gun. Americans have a right to bear arms, but owning a gun comes with numerous responsibilities. It is the job of the gun owner to make sure their weapon does not bring unintentional harm to themselves or others.
How can gun owners prevent accidental shootings? Most unintended injuries or deaths can be prevented by storing firearms securely. Gun safes, trigger locks, and loaded chamber indicators are all useful additions to a gun-carrying household. One way to incentivize gun owners to adopt these measures is with gun liability insurance. This year, San Jose became the first city to require gun insurance. While having a policy can protect gun owners from adverse consequences, insurance also rewards safety practices in the form of lower premiums.
Sometimes, homeowners insurance or renters insurance will already cover firearms. Typically, homeowner insurance policies cover theft, loss, and liability for unintentional harm for known, legally obtained firearms. It does not cover intentional harm (including self-defense) or illegally acquired guns.