The Expert Podcast

Some states are now requiring. Liability insurance for owning a firearm just like for owning a vehicle or, you know other types of activities. And these states and sometimes counties and cities are doing it within states requiring gun insurance And they have a mandate that you have to purchase gone insurance to get a firearms permit, to own a firearm or to get a concealed carry permit, whether or not this holds up in court or if it's legally. defeated is a different story, but some of these laws are starting to go into effect Now that. beginning of the year has passed. Some of these laws take effect the first of the year. So check with your county or state to have it even if you don't require it for the law may be a good idea to have liability insurance So if you're involved in some incident with a firearm or an accident, you have some additional coverage. Many homeowners policies have exclusions for events that have to do with firearms So you want to make sure that you have the coverage you need even if it's not required gun coverage or firearms coverage. liability policies is something that's a separate market Usually it's not part of a standard homeowners or auto policy or even business owners policy. It's either an endorsement on an existing policy or a separate policy So get with your broker. Check with your, authorized insurance agent or somebody who knows what they're doing about what kind of coverages are available and whether or not it can be added onto your existing policy or you have to buy a new policy.