Another gun law to add to the sticky. 1 million in liability insurance if you own a gun

[dsdmmat]

Will Your Homeowners Insurance Cover Firearms
A lot of people either own a gun or live in a household with someone who does. But unfortunately, even many long-time firearms owners have never taken the time to consider the insurance and liability implications of having a firearm in their home. Guns are both valuable and potentially dangerous objects. Because of the dual factors of value and risk, it’s critically important for gun owners to make sure they understand how guns and insurance go together so they can take appropriate steps to protect themselves as well as their firearms.

Does gun ownership raise my homeowners insurance rates? Do gun owners need special insurance policies or riders? Will owning guns lead to the possibility that my policy may be cancelled or declined? Owning a gun or guns can lead to a lot of insurance questions. Let’s answer these questions and clear up some of the misconceptions.

What’s covered by your homeowners Policy?
Your traditional homeowners policy generally covers guns under Personal Property. While the coverage is not excluded, there is usually a “sub limit” for special items like firearms. Firearms typically have a limit of $2,000 – $3,000 depending on the insurance carrier. This means that if your gun(s) are stolen, or lost or damaged in a catastrophic event you will receive up to only the maximum limit regardless of the number of firearms stolen or the value of the guns. This dollar amount may vary slightly depending on your insurance carrier.

It’s important to consider the cost of the firearms themselves. Gun owners with a single gun or hunting rifle may not find this to be an issue. Gun collectors, or individuals with multiple firearms may find this to be woefully inadequate. Because your personal property coverage is a percentage of your dwelling coverage, you’ll also want to consider how much these high-value items would eat into your total coverage limit if they were lost in a catastrophic event.

Options for additional coverage
Will Your Homeowners Insurance Cover Firearms | Foundation Insurance Group

Talk to your insurance agent. My policy covers firearms up to a certain amount if they are stolen. If they are damaged in a fire they are covered to the full value of my personal property limit ( in other words they are fully insured in case of a catostophic event).

 

[livingston]

Talk to your insurance agent. My policy covers firearms up to a certain amount if they are stolen. If they are damaged in a fire they are covered to the full value of my personal property limit ( in other words they are fully insured in case of a catostophic event).

If your child shoots another child ... What then ? That is what they are getting at.

 

[dsdmmat]

If your child shoots another child ... What then ? That is what they are getting at.

Don't have a child in the house, I am good.

 

[dsdmmat]

How about the low 3 figures it cost to get my pistol permit?

Still a poll tax, disguised as a government service but, still a poll tax. The insurance requirement is a straight up poll tax without the disguise.

 

[Brian Colt]

[QUisTE="Jmac00, post: 466929, member: 44"]Im going to get insurance all right, these assholes are insuring I getting outa here[/QUOTE]
As Is everyone that can.

 

[ArmedCorgi]

Another thing to consider is the language I saw in the bill used the legal term "Firearm", which here in NY doesn't mean any old gun, it means handguns and maybe a few other things, but not long gun. How else would they know who has to have insurance? The bill also speaks of revoking licenses if you fail to comply so again, talking about handguns. I also can't get over that we would all have just 19 days to get this insurance which doesn't exist in NY before the law would go into effect and we all get revocation letters, lol.

 

[Wraith]

Another thing to consider is the language I saw in the bill used the legal term "Firearm", which here in NY doesn't mean any old gun, it means handguns and maybe a few other things, but not long gun. How else would they know who has to have insurance? The bill also speaks of revoking licenses if you fail to comply so again, talking about handguns. I also can't get over that we would all have just 19 days to get this insurance which doesn't exist in NY before the law would go into effect and we all get revocation letters, lol.

Impressive way to mass revoke every individual’s license and impose the new social media bill.

 

[Cooolone]

And if I don't have insurance, pay the poll tax?

Not a chance this works out... Not worrying about it until they knock at the door. And then they aren't going to find what they're looking for anyway... Then what?

What do you think they can do when you don't have what they're looking for? Do you think then they can come back multiple times, make stops on your travel, search your person when outside your residence? Hmmmmm... Or do you think they'll be able to attach the pre-requisite that you carry insurance on order to exercise a Right to Posses Arms? Hmmmmm...

Pffffft...

 

[Wraith]

And if I don't have insurance, pay the poll tax?

Not a chance this works out... Not worrying about it until they knock at the door. And then they aren't going to find what they're looking for anyway... Then what?

What do you think they can do when you don't have what they're looking for? Do you think then they can come back multiple times, make stops on your travel, search your person when outside your residence? Hmmmmm... Or do you think they'll be able to attach the pre-requisite that you carry insurance on order to exercise a Right to Posses Arms? Hmmmmm...

Pffffft...

These are not people who care about your rights.

 

[96coal449]

These are not people who care about your rights.

We are well aware of this.
Thanks for the reminder ......

 

[Wraith]

We are well aware of this.
Thanks for the reminder ......

Anytime.

 

[Mosinitis]

why ?

Because Democrats want to stay in control of the State Senate, non-compliance will jump through the roof and SCOTUS loves to take up bullshit cases.

 

[Gonzobird]

If your child shoots another child ... What then ? That is what they are getting at.

WTF?

I have two young children in my house. My daughter is 4 1/2 and my son is 2.

I have already taken my daughter to the range multiple times with her crickett rifle and she knows the numbers and she knows that she can't touch a firearm without Dad or Mom. My son knows he can't be in my office/gun room without me.

I keep my room locked when I am not in it.

Both my children at a young age know not to touch a firearm without me.

I grew up with a Maximum Machine Gun my father's gun room.

Teach your kids.

WTF?

I can't wait to see how many people flame this reply.

 

[dsdmmat]

WTF?

I have two young children in my house. My daughter is 4 1/2 and my son is 2.

I have already taken my daughter to the range multiple times with her crickett rifle and she knows the numbers and she knows that she can't touch a firearm without Dad or Mom. My son knows he can't be in my office/gun room without me.

I keep my room locked when I am not in it.

Both my children at a young age know not to touch a firearm without me.

I grew up with a Maximum Machine Gun my father's gun room.

Teach your kids.

WTF?

I can't wait to see how many people flame this reply.

Much easier to gun proof a kid than it is to kid proof a gun.

 

[Mosinitis]

Have you not heard of the "SAFE Act"? Were you unaware that the Demoncrats own the Governorship, the Legislature, and the Senate now? That they are electing avowed communists/socialists to high offices, such as the mayor of NYC and various congressional districts? I mean this without rancor or sarcasm, but what on earth makes you believe that they won't try to ram some of this crap through? Regard for the Constitution? The Easter Bunny tells them it's not nice?

You are indoctrinated to the point of inability to think rationally. Indoctrinated Zombies are useless and ignored by both political parties. SAFE act wasn't passed by communists/socialists.

 

[eris]

Have you not heard of the "SAFE Act"? Were you unaware that the Demoncrats own the Governorship, the Legislature, and the Senate now? That they are electing avowed communists/socialists to high offices, such as the mayor of NYC and various congressional districts? I mean this without rancor or sarcasm, but what on earth makes you believe that they won't try to ram some of this crap through? Regard for the Constitution? The Easter Bunny tells them it's not nice?

Complain about the Democrats as you want, but don't accuse them of being Communist for wanting gun control. Karl Marx was a proponent of gun ownership.

 

[Jsmegs77]

What do you think they can do when you don't have what they're looking for? Do you think then they can come back multiple times, make stops on your travel, search your person when outside your residence? ...

All of the above. Red flag laws could be used as the initiator, for example. Vocal dissenters would likely be the first examples, or those who somehow get on the wrong side of an ambitious LEO (see some of @VietnamEraVet's posts about that). We are, after all, electing people who admire and desire to emulate history's despots (collective societal "we", present company excepted I'm sure).


Color me a pessimist but I'm hedging my bets here.


Sent from my iPhone using Tapatalk

 

[meketrefe]

they should start issuing penalties (like tickets) for wasting time and make others waste time.
Sort of like a speeding ticket but for idiotic laws that belong in the trash bin.

 

[GOPerfect]

At least cops are exempt.

Really? I did not read this garbage.

Even if this passes, I, like thousands of others, would not buy a plan.

Fuck off to all these libtard assholes!

 

[Marine Cpl]

Uh oh. Mosinitus found a liberal girlfriend to spew this crap that Liberals aren't for gun control.

 

[Mosinitis]

Uh oh. Mosinitus found a liberal girlfriend to spew this crap that Liberals aren't for gun control.

Simplistic world view is only in the minds of simple-minded people. The reason we are screwed in NY, because of the idiots like you who put all their eggs in one basket and can't figure out how they set themselves up. JFK was pro-gun and member of the NRA, so was FDR. I don't particularly like JFK, but it is what it is.
I am a Conservative, but not a fanatical convert like you. Nothing in politics is black and white. People on different sides of political spectrum often have common interests or common enemies.
Not all conservatives are pro-gun, not all liberals are anti-gun. Being pro-gun in rhetoric, doesn't mean being pro-gun in action and vice versa. I know this is beyond your mental capacity, but this is the real world.

 

[ArmedCorgi]

Complain about the Democrats as you want, but don't accuse them of being Communist for wanting gun control. Karl Marx was a proponent of gun ownership.

Yeah but look how that ended up. It should also be noted that the USSR had a bill of rights in some ways stronger than our own, but it was nothing more than a parchment guarantee.

 

[FirstRifle]

Can you say poll tax? Clearly unconstitutional on its face.

This blogger cites others whose opinions are the proposed bill is unconstitutional, AND, that such insurance was determined to be illegal in NYS by the NYS government.

New York: Damned If You Do Insure Guns, Damned If You Don't

" Insurance policies cover accidents, not intentional crimes, and criminals with illegal guns will just evade the requirement. The real purpose is to make guns less affordable for law-abiding citizens and thereby reduce private gun ownership. Identical constitutionally suspect logic explains proposals to tax the sale of bullets at excessive rates.

The courts, however, are no more likely to allow government to undermine the Second Amendment than to undermine the First. A state cannot circumvent the right to a free press by requiring that an unfriendly newspaper carry millions in libel insurance or pay a thousand-dollar tax on barrels of ink—the real motive, in either case, would be transparent and the regulation struck down. How could the result be any different for the right to keep and bear arms?"

 

[ArmedCorgi]

How could the result be any different for the right to keep and bear arms?"

Has that blogger been to NY?

 

[FirstRifle]

Has that blogger been to NY?

I can hope that such a law would not see a vote because enough lawyers in the Assembly and Senate would understand the proposed bill would not stand.

Being cynical for a minute, just because the technology for microstamping does not exist did not prevent a law requiring microstamping on new models of hand guns to be sold in CA from being implemented and upheld by a judge. A requirement to own a liability insurance policy which does not exist may not stop such a law from being passed.

 

[96coal449]

I can hope that such a law would not see a vote because enough lawyers in the Assembly and Senate would understand the proposed bill would not stand.

Being cynical for a minute, just because the technology for microstamping does not exist did not prevent a law requiring microstamping on new models of hand guns to be sold in CA from being implemented and upheld by a judge. A requirement to own a liability insurance policy which does not exist may not stop such a law from being passed.

1.0 was passed ....... what's gonna stop em now?

 

[ProgSpear]

You are indoctrinated to the point of inability to think rationally. Indoctrinated Zombies are useless and ignored by both political parties. SAFE act wasn't passed by communists/socialists.

Answering the question instead of indulging in ad hominem attacks might increase your credibility over time.

 

[pjzwtl]

Complain about the Democrats as you want, but don't accuse them of being Communist for wanting gun control. Karl Marx was a proponent of gun ownership.

Marx May have said those words but those who practice his philosophy of gov sure as shit don’t follow them. At least not once they get control.

 

[Marine Cpl]

Simplistic world view is only in the minds of simple-minded people. The reason we are screwed in NY, because of the idiots like you who put all their eggs in one basket and can't figure out how they set themselves up. JFK was pro-gun and member of the NRA, so was FDR. I don't particularly like JFK, but it is what it is.
I am a Conservative, but not a fanatical convert like you. Nothing in politics is black and white. People on different sides of political spectrum often have common interests or common enemies.
Not all conservatives are pro-gun, not all liberals are anti-gun. Being pro-gun in rhetoric, doesn't mean being pro-gun in action and vice versa. I know this is beyond your mental capacity, but this is the real world.

Oh. You just taught me something. Not all Conservatives are pro gun. Thanks. I didn't know that. What else can you teach me?

 

[Marine Cpl]

@Mosinitis

The Coming Assault on the 2nd Amendment in Nevada