Perhaps obtaining an opinion form the Black Gun Owners Association (BGOA) would be insightful here? They are an impressively growing group who focuses on the safety of their members in their communities. Would insurance negatively affect those who have justified needs for arms?
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Your mind-reading failure is noted.
End of conversation
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Without qualifying who/what is the intent, Which of the following pose more risk? Person: A. Without any gun B. With handgun no ammo in it C. With AR no ammo in it D. Any kind of gun with ammo in it Ammo raises risk. Insurance mitigates the risk.
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Your biggest threat is that person driving towards you at 60 MPH while texting. GUNS?
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