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.
in MA..
IME.. MOST insurance Co’s DO ask specifically about firearms.
And most WILL jack your premium.
I remember being specifically asked. Do you own Guns? Do you have any “assault weapons”?
When I asked them to define “assult weapon” they were dumbfounded.
IIRC that conversation lead down a very long rabbit hole where it was agreed that it was best to just say “no guns in the house”.