The unintentional wounds of incidental gun firings make up five hundred fatalities each year with multiple unfolding each day. Furthermore, among non-deadly firearm injuries, 37% are by accident with 2% of total gun deaths being unintentional.
Gun liability insurance policies do not provide coverage for intended damage.
Crimes committed with stolen guns that were not reported remain liable for property damage, general property and/or person damage caused by the voluntary discharge of a weapon, and retribution resulting from self-defense all remain unprotected. Separate and specific self-defense policies do exist, however.
Second Call Defense and U.S. Concealed Carry, alongside other providers, provide coverage that protects acts of self-defense to some degree, unconcerned with whether they are considered 'with reasonable force' or not.
Over one-third of American gun owners have presented a gun for self-defense. In more than 8 out of 10 of these self-defense situations, no shots were fired.
Gun liability insurance can be added to homeowner and renter insurance plans for those avoiding investment in a stand-alone policy. Personal property protection is a must-have for gun owners with large and expensive collections, though they should still consider investing in supplemental policies. It provides coverage for lost and stolen guns and insures residences with more than one firearm.
Insure yourself against physical and financial liability attributed to guns and make a commitment to gun safety. Take steps to mitigate the responsibilities and risks of gun ownership, as well as take steps to invest in the safety of those around you.