“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.
The insurance question made no mention of an intent to carry, but that is interesting information. It’s a mystery why anyone chooses to live in such a place.