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If you broke storage laws, youre liable criminally as well as civilly. If you broke no laws, youre always liable civilly, depending on the damages and how reasonably secure you kept your firearms as determined by the court (jurors).
Top 7 Self-Defense Liability Providers: CCW Safe. Right to Bear. USCCA. Second Call Defense. Firearms Legal Protection. Armed Citizens Legal Defense Network. US Law Shield (TX Law Shield)
Until recently, no mandate had been enacted. In 2022, San Jose, California, and New Jersey passed laws requiring gun owners to carry liability insurance.
Given todays litigious society, it may also be in your best interest to purchase additional coverage to protect you, your family, and your assets from liability lawsuits. Talk to your independent agent about your firearms and whether you could benefit from an umbrella endorsement.
In early 2022, San Jose, California, became the first jurisdiction to pass a law that requires all gun owners to carry insurance that covers gun-related injuries. Later in the year, New Jersey enacted legislation that will require every private citizen who carries a handgun in public to obtain liability insurance.
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Insurance Premiums and Firearms Signing up for additional firearm coverage can increase your homeowners insurance premiums, but simply owning one shouldnt significantly impact your premium. Your premium also depends on the type of coverage you have and the amount of coverage you need for your firearms.
With Personal Firearm Liability Insurance, lawful gun owners are protected against the costs associated with an accidental discharge claim. Even lawful gun owners who store their firearms securely and lend them carefully can be held legally responsible for what is done with the firearm after it is lost, lent or stolen.
As criminal defense attorneys, we highly recommend responsible gun owners consider insurance policies, such as those offered by Universal Fire and Casualty Insurance Company (UFCIC), to help cover attorney fees and legal costs in gun-related cases.

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