The Gun Debate and Louisville Home Insurance

As the gun debates rage on, it’s a good reminder that homeowners insurance policies also provide some coverage for firearms.  Specifically, a homeowner or renters insurance policy will typically cover theft of a firearm stolen from the premises and liability due to the accidental discharge of a firearm causing injury up to the limits of the policy.  Intentional acts, not related to shooting an individual threatening your safety, home insurance does not cover. 
For proper and effective ways to store and secure firearms, Dolack Insurance provides these tips to help gun owners rest easy:

• Store guns safely and securely to prevent unauthorized use, such as in a lockable container like a lock box or gun safe.
• Guns and ammunition should always be stored separately.
• Increase safety by using both a trigger or cable lock 
• Don not store guns where visible or within easy access of children.
• Do not store firearms with other valuables such as jewelry or cameras, etc.
• If you have children in the household, you may be guilty of a misdemeanor or felony if you keep a loaded, unsecured firearm on the premises and a child in your custody under the age of 18 uses it or carries it to a public place.

 

We hope these tips proved helpful because one misstep is one to many when it comes to guns.  Gun safety courses are essential for anyone interested in protecting themselves, or family, with a firearm.  The most basic rules to remember are use common sense and treat every gun like it’s loaded.

Thanks for visiting our website.  We are always willing to provide our expertise when it comes to Louisville auto insurance, Louisville home insurance, or whatever you need.  For a Free Consulatation, call us at 502-333-0577 for an insurance quote, or our website, DolackInsurance.com