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Firearm & Concealed Weapon Coverage: What Is and Is Not Covered by a Standard Homeowners Policy

If you’re a gun owner, you might want to consider adding firearm & concealed weapon coverage. While your standard homeowners insurance policy will typically cover firearms that are stolen or damaged in a fire, it does not cover your personal liability should you shoot an intruder. According to by adding firearm & concealed weapons coverage, you are covered for civil and criminal liability should you need to use your gun in self-defense regardless of whether or not you have a concealed carry permit.

Since guns are considered personal property, they are covered under your homeowners insurance policy in the same way as other valuables. Moreover, a standard homeowners insurance policy covers several liability issues including accidental discharge. This is true even if someone else is harmed.

However, under a standard homeowners policy, you are not covered if you intentionally harm or kill an intruder. Most homeowners policies have “intentional injury exclusions.” This means if you “intentionally cause damage or harm, you are on your own in any resulting liability claims.”

This is where adding firearm & concealed weapons coverage comes in. A standard homeowners policy caps liability at $100 thousand. If you’re charged in an intentional shooting, you could be looking at paying damages, medical bills, and attorney fees. This could cost well over $1 million. Firearm & concealed weapons policies usually start with a liability limit of $1 million, and these policies only cost between $150 and $300 per year.

If you’d like to learn more about firearm & concealed weapons coverage, contact us.We can help fill in the gaps in your standard homeowners policy.