Gun Ownership

Self | 07/22/25 | Self

[riverrunner]

Don’t tell them a thing.

[Skwor]

Insurance companies have no say in the matter. All you are required to do is report the gun stolen if it happens, failure to do that IS a big problem.

[FlingWingFlyer]

The thing I like best about NOT BEING an undocumented, illegal alien invader.

Gun ownership!

[Worldtraveler once upon a time]

Here in South Carolina, no. As your flag waves “Massachusetts,” perhaps further inquiry for your state is wise.

[BBQToadRibs2]

I’ve lived in my current home for 16 years, and am on my 3rd homeowners insurance policy. Not one of them expressly asked about weapon ownership on the base policy. If you want to increase your personal item propery loss (what’s inside your home that isn’t the structure itself) then you start decaring items of value at at that point you can list firearms.

TLDR: Firearm ownership isn’t asked, isn’t a part of the premium. You can declare for increased coverage at an increased premium. That is of your own free will.

[Red Badger]

My insurance company won’t allow me to own a Pit Bull, a Big Cat, a poisonous or large snake, or a pot bellied pig.

I don’t know about a gun.....................

[FlingWingFlyer]

Don’t Ask, Don’t Tell.

[FlingWingFlyer]

LOL!

[Skwor]

Won’t allow you to own or not cover incidents involving?

Also, not allowed to own or not allowed to house within the structure.

Very different requirements. I cannot see how insurance can stop you legally from owning any of those animals as long as they are not residing in the covered structure.

[Gay State Conservative]

Yes,I'm inclined to take that attitude. But I live in Massachusetts,a state where politicians don't even try to hide their contempt for the 2nd Amendment. Given that fact they might have a law allowing insurance companies to require that gun owners divulge that fact.

IIRC many homeowner's policy require you to divulge that your house has a swimming pool...because big claims can start at that pool. I suspect that the same might be true with guns.

[Georgia Girl 2]

This is America. That should give you your answer.

[Lee N. Field]

Does anyone know if you're required to tell the insurance company that writes your Homeowner/Umbrella policy that you own one?

Say what?

I never have.

[Gay State Conservative]

You don’t get to Massachusetts much,do ya? :-)

[DeplorablePaul]

First gun in 50+ years and you’re worried about it getting stolen and used in a crime? The probability of that happening is pretty remote. Assuming you’re buying a pistol, buy a safe to store it as well. Never leave a gun unsecured and unattended. Know where it is at all times and you’ll be fine. There is USCCA insurance which is a good to have if you have to defend yourself.

[gundog]

They’d be cool with crocodilians?

[Magnum44]

I don't want to be sued by someone who's shot by someone who's stolen it only to find that the company requires a gun owner to tell them that they own one

hmmm, took me a second to unpack that.

First, no you dont need to tell your insurance company you own a gun.

Second, dont let your gun get stolen.

[Red Badger]

They would but Florida wouldn’t............

[takebackaustin]

State Farm in Texas does not ask you for homeowners / umbrella liability, which they do for other things, such as a boat. Saying yes on the boat will cost you double but they will cover it for a price.

[KC Burke]

Dig up your policy and read it. It may be thick reading but the key words can jump out.