If you have a rifle and it’s only used for hunting, low rates. If you have a Glock and you carry it in an open-carry town or state, your rates will be very high — because odds are so much higher that innocent bystanders may get caught in a shootout. The more training and safety classes you take, the cheaper the premium.
I like this idea. And we can make the insurance tax deductible in cases where it makes sense. No one has to give up their gun, but those who might be putting others at risk with irresponsible gun ownership will pay into a fund to pay for tax deductions for responsible gun owners.