When it comes to guns and homeowner’s insurance, depending on what happens, the part of homeowner’s insurance that covers you will change. Let’s start with the most simple, theft, and move onto the more complicated, liability.
Guns and Theft
Guns are like any other piece of personal property when it comes to theft, your insurance will probably cover you up to $2,000. Now, if the gun is destroyed in a fire or some other loss that is covered, then it’s covered by your personal property coverage.
Guns and Accidental Injury
Let’s say you accidentally injure someone or damage property with a gun, then it might falls underneath your personal liability coverage (double check if you have a gun). The personal liability coverage would cover the injury itself and any court awards that may result from the lawsuit.
Again, check with your insurance as these are just general points, your particular policy might be different.
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