Insurance alone? No.
A lock? Probably. Would unlimited liability exposure been a factor in the first victim's decision to secure her weapons. The marketplace would say, "yes".[/QUOTE]
Please see attached videos from a quick qoogle search of "how to pick a trigger lock" neither one of them even requires an actual lock pick.
http://www.youtube.com/watch?v=P397UsoyNBc
http://www.youtube.com/watch?v=ad6W1Lef9To
The idea that even if my guns are in my locked home that is not good enough is ridiculous, even banks know that you can't have 100% security. If someone wants what you have bad enough they will find a way to get it.
I can't be liable for everyone else in the world.
If someone broke in and stole my ginsu knives and went on a stabbing spree should I be liable because I didn't have a sheath lock?
And as far as Lanza is concerned, if I am willing to kill my own mother I'm probably willing to force her to open the gun cabinet first.