The policies might say something on this, but I greatly doubt it. But no one else can tell you what YOUR policies have buried in them. Your need to bite the bullet and read your policies (especially the liability section) and mark up anything relevant.
Homeowners policies usually have some coverage for loss of firearms to theft, with a low maximum of $2k-3k. If you want more coverage with higher limits (someone I know has $25k), you generally have to pay extra for Personal Property Coverage and, and tell the insurer what that property is.
If your firearm is stolen and you timely report that to the police and your insurer, I can’t imagine a scenario where a third party can claim damages for subsequent misuse of the firearm by criminals. Were that legally possible, scammers would have already put insurers out of business. Your insurance agent can tell you how that works in your state.
“If your firearm is stolen and you timely report that to the police and your insurer, I can’t imagine a scenario where a third party can claim damages for subsequent misuse of the firearm by criminals. Were that legally possible, scammers would have already put insurers out of business. Your insurance agent can tell you how that works in your state.”
in MA.. if you’re not a LEO. A lost firearm in 90% of the cases will cause you to have your LTC revoked as being “unsuitable”.
Which means all of your stuff gets picked up be LEO and put into a bonded warehouse. Where you will be charged exorbitant fees until you sell them all or the bonded warehouse takes them to cover their exorbitant fees.
And once that LTC is revoked.. The expense and time to get it re-instated is astronomical.