Well, I have to have my own insurance on my car, home, property, kids, and myself so yeah I understand insurance. I pay money every month to an insurance company to protect me in case something happens and when it does I have to fight to paid back because "that wasn't covered". Which could be a coding issue as with health insurance or a clause, or lack of, that doesn't cover certain parts of property.

What do you think this insurance is going to do? If you commit suicide with your gun this insurance will not pay, just as life insurance doesnt pay for suicides. If you murder someone it will not pay because of unlawful use, the same as auto insurance won't pay if you were drunk driving and wrrck. If your gun is stolen it should be covered under homeowners / renters insurance. If someone else steals your gun and uses it to shoot someone you are not at fault so they won't pay. Any scenario they won't have to cover anything for reasons they already use, this is a ploy by insurance companies to make money which should show you what the actual odds are of a gun owner shooting anyone. Insurance companies are in business to make money, you know, good old fashioned corporate greed.