Gun Safety in the Home – Secure Storage Tips & What Insurance Covers

​Learn how to safely store firearms in your home, reduce liability risks, and understand what your homeowners insurance does (and doesn’t) cover when it comes to guns.

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​Firearm Responsibility Starts at Home—and On Your Policy

Whether you're a hunter, collector, or just value personal protection, firearm ownership comes with serious responsibilities—especially if you have children in the home. Alongside safe storage practices, it’s just as important to make sure your homeowners insurance protects you if something goes wrong.

And the truth is, many policies fall short.

🔒 Why Gun Safety at Home Matters
According to the CDC (2024), between 18.4% and 50.6% of adults across eight states reported having a firearm in or around their home. Yet firearm-related injuries have become the #1 cause of death for U.S. children and teens aged 1–19 (DOJ, 2023).
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Even more alarming:

• 25% to 41% of homes with both firearms and children reported keeping at least one loaded and unlocked firearm.
• Over 4.6 million children live in homes with at least one loaded, unsecured gun (Teen Vogue, 2023).
• Gun theft from private residences exceeds 400,000 firearms stolen per year (NSSF).

🛠️ How to Store Firearms Safely🧰
1. Invest in a Gun Safe or LockboxUse a secure, tamper-resistant safe or cabinet. Look for features like:

• Fire- and waterproof rating
• Biometric or keypad locks
• Bolt-down capabilities

Some insurers like Allstate and Safeco offer policy discounts for homes with qualified safety devices.
🧷 2. Store Ammunition Separately
Keep ammo in a locked container away from firearms to reduce risk of accidents—especially in households with children or teenagers.
👨‍👩‍👧 3. Educate Everyone in the HomeTalk to kids about firearm safety and enforce strict rules. If you live with teens, reiterate that firearms are not for unsupervised use, even if they’re trained.

🏡 What Home Insurance Actually Covers

Most standard homeowners policies cover your firearms under personal property coverage if they’re:

• Stolen during a break-in
• Damaged in a fire or other covered peril

But there’s a catch: coverage is usually capped at $2,500 or less, and certain exclusions apply.
🔎 Things to Watch For:

• Low sub-limits on firearms
• Deductibles that exceed your firearm value
• No coverage for intentional misuse or improper storage consequences

Carriers like Chubb and Safeco offer higher limits or options to schedule firearms for full appraised value.

🛡️ What About Liability Coverage?
If someone is accidentally injured with a firearm from your home—even if you weren’t involved—you could be held liable. Your personal liability coverage under your homeowners insurance may help cover legal fees, medical bills, or settlements if the event meets policy criteria.
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However, many policies exclude:

• Criminal acts
• Negligent storage
• Injuries caused by residents intentionally or illegally

✅ Public Support for Gun Liability Protection
​A recent survey by Insurance Thought Leadership found that 75% of Americans believe gun owners should be required to carry liability insurance. While not yet a legal requirement in most states, it signals a cultural shift toward expecting responsible storage—and financial accountability.

🧾 Final Thoughts: Secure Your Storage & Your Coverage
Firearm safety isn’t just about physical security—it’s about financial and legal readiness too. Start with responsible storage practices and follow through with the right insurance protection.
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🔐 Let Corin Insurance review your policy to ensure your firearms are covered correctly and explore your liability protection options.

Disclaimer: Coverage varies by carrier and state. This article is intended for informational purposes only and does not constitute legal or insurance advice. Always review your policy documents and consult a licensed insurance agent to determine what is and isn’t covered in your specific situation.