[quote=livinincali][quote=SK in CV]
If your car is stolen, no coverage (and probably no liability). If the gun is used by the insured in the commission of a crime, no coverage.[/quote]

So basically gun liability insurance never pays. These 2 stipulations pretty much exclude every instance in which somebody would make a claim. Better hurry up and mandate it be required, because clearly that would be effective.[/quote]

Never is probably an exaggeration, but if the assertion was that gun owners should be required to have insurance covering every possible kind of damage done by a gun, then I suspect it would be pretty cost prohibitive. Standard homeowner policies and umbrella policies cover accidental gun discharge. I don’t know whether they require prior disclosure or listing, I’m guessing not, at least for liability purposes. I know there is also concealed carry coverage available, though it excludes criminal acts.