General Discussion
In reply to the discussion: Gun Liability Insurance [View all]X_Digger
(18,585 posts)When we got our extended homeowner's policy (to cover all our computer equipment, reef tank, and firearms,) we also got a blanket liability policy- I use the covered computers at work, which exposes me to liability through my company. They require a liability policy for the external testing I do. (Should the computers become infected with the latest worm/virus and become part of a botnet, I and the company could be liable.)
I specifically asked about whether or not guns have any effect on the liability policy, and the agent explained that no, there was such little difference in claims from homes with guns versus those without that it didn't make sense. The difference in risk didn't justify the overhead to maintain a different policy.
Go ahead, call your insurance agent. Ask them if having a gun in the home affects the rate for a general liability policy. I dare ya.