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A comment on I Built This AK-47. It's Legal and Totally Untraceable. Parent comment

Re:I Built This AK-47. It's Legal and Totally Untraceable by cstross on Saturday May 25, 2013 @04:39PM (#5768742)
As over 90% of road traffic accidents are the result of human error, I strongly disagree with your conclusion -- otherwise we wouldn't need third-party insurance for cars, either.

(On the other hand, if you're as sensible as you say, I have three words for you: no claims discount.)

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Re:I Built This AK-47. It's Legal and Totally Untraceable by maxerickson on Saturday May 25, 2013 @05:02PM (#5768822)
The NRA apparently endorses a personal liability insurance:

http://www.locktonrisk.com/nrains/excess.htm

Quick searching is not instructive as to pricing, but I guess some homeowners policies cover gun accidents, and such insurance is not particularly expensive.

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Re:I Built This AK-47. It's Legal and Totally Untraceable by hga on Saturday May 25, 2013 @07:01PM (#5769205)
Indeed, and you can tell from the costs what the insurance companies think are the serious risks (hint, not liability).

I'll just mention ratios, that I'm a USAA customer who's father was in the military (eyesight kept me out, but they have a special category for us because we're better risks), that I don't have very many guns, have a monitored alarm, and no longer get the no claims discount (http://en.wikipedia.org/wiki/2011_Joplin_tornado).

All that said, I pay 4 times as much for the extra protection needed to cover loss of my guns as I do for the liability insurance that's an enumerated part of my renter's policy, and the single instance liability they're on the hook for is 35 times greater than a total loss of my listed guns and scopes.

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