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.