Guns

Living in a home that contains guns increases the risk of homicide by more than 40 percent, according to the New England Journal of Medicine. Insurers will generally cover gun owners, with caveats. Whether you have used a weapon in self-defense, with criminal intent or by accident will obviously play a big role in how much liability an insurer will assume. Insurers want to know that guns are properly secured, with safety locks, and kept out of reach of children. Failure to disclose beforehand that you have a firearm could lead to an insurer trying to deny your claims in the event of an accident.