[Old Dog New Trick]

So who would determine the rates for this "liability" insurance? Will it be required on each weapon or the whole collection?

Do I get a discount if I only have 10-round mags, and do I have to pay more to own 15, 20, or 30-round mags?

Is it dependent on where I live, what state, what neighborhood I live in - high crime or low crime rate? Will my costs be prorated (adjusted) to cover other areas of the country as flood and hurricane insurance is done?

Is a .22 less than .223, or a .38 less than a .357-Magnum?

If they are all locked up in a GSA approved class III or IV safe bolted to the ground do I get a 10% discount yearly? Multi-Weapon discount? Discounts for military service, law enforcement training or classes taught by other professionals?

This whole idea is ludicrous and flies in the face of Constitutional rights.

Dozer you are making the argument that freely owning the weapons one can afford is a privilege and not a right.

The courts have agreed and supported that an individual has the inaliable right to self-defense under the reasonableness standard of law. Therefore "liability" rests with the court decision to find a person guilty or not guilty of a crime. It does not however protect a person from civil liability and he may be on the hook for any and all damages incurred to the victim or property.

Which only logically means that someone who choses to carry outside the home a gun for personal defense or professionally should invest in personal liability insurance should the need arise. A home owner protecting his castle should not be burdened by such nonsense as laws and doctrine are well established to provide the protections necessary for the homeowner or renter.

I just can't see where you are going with forcing otherwise law abiding people with another hurdle to jump over to exercise a right granted in the BOR.

I'm fed up with paying auto insurance for five different vehicles when I, or my wife can only operate one or two at the same time while the others sit patiently by waiting for their turn to be operated. It's the same racketeering that would be used if something like this would be passed in legislation by lobbyists for the insurance companies and foisted upon an unsuspecting populace. Give an inch and soon it will be unaffordable to own or possess any weapons by the common man. And then you will have created - the uninsured firearms owner...which means all the others will pay extra to cover the costs of all criminal use of a gun.

JMHO