Liability insurance is not an answer

[branford]

43. If your gun was actually stolen,

absent very unusual circumstance, you would not be liable for its later criminal misuse. It would be like blaming the owner of a car that was stolen and then used in a crime or accident.

If you want to ensure safe firearm storage, as many jurisdiction has already done, pass a law about firearm storage. Such storage laws are largely constitutional unless they prohibitively prevent a firearm from being used in self-defense. Further, the fact that storage laws exist actually make any mandatory insurance laws all the more difficult to survive any level of constitutional scrutiny.

Again, it is you and others who really don't understand what insurance really is or how it works. For reference, I'm a practicing litigation attorney, and a significant portion of my career dealt largely with insurance coverage and policy issues. I've repeatedly discussed the numerous legal, practical and policy problems with a mandatory insurance scheme.

See, e.g., http://www.democraticunderground.com/?com=view_post&forum=1172&pid=184610