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Author Topic: Washington: Home Insurance Requirement for Gun Owners Scheduled for Hearing on M  (Read 5225 times)

Offline MADMAX

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On Monday, January 29th, the Senate Law and Justice Committee will hold a public hearing for Senate Bill 5963, a bill that would require gun owners to have a home insurance policy if they own a firearm, even renters. This bill will not reduce crime but will only price law abiding gun owners out of home insurance policies, if they can even obtain the coverage. Please contact the members of the committee and urge them to OPPOSE SB 5963
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Offline Boss .300 winmag

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Offline MADMAX

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https://legiscan.com/WA/text/SB5963/id/2869907/Washington-2023-SB5963-Introduced.pdf


Sent this

Below is a copy of your message that will be sent to the following people: Senator Jamie Pedersen, Senator Javier Valdez, Senator Jesse Salomon, Senator Jim McCune, Senator Keith Wagoner, Senator Lynda Wilson, Senator Manka Dhingra, Senator Mike Padden, Senator Nikki Torres, Senator Patty Kuderer, Senator Yasmin Trudeau on Law & Justice Committee.

Subject: Please Oppose SB 5963
On Monday, you will be holding a hearing on Senate Bill 5963, relating to required insurance coverage for firearm owners. As a fellow resident of Washington I urge to please oppose this bill.
SB 5963, requires every legal firearm owner to obtain a “residential dwelling policy" that is to be kept wherever the firearm(s) may be stored. The policy is required to cover loss or damage resulting from the accidental or unintentional discharge of a firearm. Mandating insurance policies will in no way reduce crime and the illicit use of firearms, as criminals and other prohibited persons could never secure coverage. Instead, this legislation would serve as a barrier to those seeking to exercise their rights, including unknown annual costs. SB 5963 could be utilized as a backdoor registration scheme, which would include sensitive personal information on firearm owners, including name, address, phone number and other identifiers. Additionally, given the uncertainty if this type of coverage would even exist, it could put insurance companies in a position of increased pricing on policies based on the types and number of firearms covered. This legislation is not rooted in public safety, but instead provides an additional avenue for the Washington State Legislature to harass and burden law-abiding citizens.
Again, I ask that you please oppose SB 5963, as it will only place undue financial burdens on law abiding gun owners, and will have no impact on crime within our state.
Thank you for your consideration.
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Offline boneaddict

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THank you

Offline Boss .300 winmag

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 SB 5963 could be utilized as a backdoor registration scheme.

That’s exactly what it is, and the left knows it. Plus to make criminals out of citizens who don’t get the coverage, and later defends themselves at home with a firearm making them a criminal.

Curious what the penalty for not getting said coverage will be?
"Just because I like granola, and I have stretched my arms around a few trees, doesn't mean I'm a tree hugger!
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Offline ASHQUACK

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I find it strange (not really) that insurance policies that expressly cover things like this (USCCA) are banned in Washington State.

Offline boneaddict

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I couldn't believe how much it cost to try to get my guns on my homeowners just for loss reasons outside of just normal personal property , and the hassle it was in regards to having every one appraised etc.       

Offline Smokeploe

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This is a total infringement of the Second Amendment both state and national.  Sideshow bob should know this and stop it!

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Offline hughjorgan

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SB 5963 could be utilized as a backdoor registration scheme.

That’s exactly what it is, and the left knows it. Plus to make criminals out of citizens who don’t get the coverage, and later defends themselves at home with a firearm making them a criminal.

Curious what the penalty for not getting said coverage will be?

I’ve read the bill a couple times now and there is no penalty for not complying with this garbage. Just more crap from the democrats to ignore if they push it through the legislature.

Offline Mtnwalker

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They can’t just take them all away as much as they’d love to, so they’ll just legislate us to death until it’s impossible to remain a law abiding firearms owner.

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I couldn't believe how much it cost to try to get my guns on my homeowners just for loss reasons outside of just normal personal property , and the hassle it was in regards to having every one appraised etc.     

Our house was broke into several years ago. The thief took a small safe which had a handgun in it.

My home owners covered it and paid me very well for the gun based on how long I had owned it. I have never had to list any firearms just provided police report.
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Offline KNOPHISH

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INFRINGEMENT
I have Man Chit to do

Offline Ridgeratt

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This is a total infringement of the Second Amendment both state and national.  Sideshow bob should know this and stop it!

Smokeploe


If you honestly think Fergason would lift a finger to stop this you should be able to buy gas at .99 cents a gallon.

Offline MADMAX

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Flood the Senate Law and Justice Committee with emails
Make your voices heard
Never argue with an idiot. They will drag you down to their level and beat you with experience.
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Offline buckfvr

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I believe its going to take a lot more than lip service to end this constant attack on our rights. 

Offline JimmyHoffa

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SB 5963 could be utilized as a backdoor registration scheme.

That’s exactly what it is, and the left knows it. Plus to make criminals out of citizens who don’t get the coverage, and later defends themselves at home with a firearm making them a criminal.

Curious what the penalty for not getting said coverage will be?
Considering nearly everything insurance related passes through the AG's office at some point, I'm guessing a registry might be the intention.

Offline baldopepper

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I've had a firearms rider on my home owners insurance for years.  Just a bulk amount ($10,000) and it costs an additional $35.00 per year. Don't have to list specific firearms. Have riders for additional jewelry and musical instruments also as fine print on the basic policy caps them at very small amounts. 
 

Offline storyteller

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I am pretty sure that the riders on the homeowners insurance cover theft and loss, nothing to do with accidental discharge or the like, apples and oranges.

Offline baldopepper

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Haven't really researched, but suspect the liability clause of most home insurance would cover accidental discharge where someone was injured and your basic health insurance would cover you or a family member.  Learned the hard way what is and isn't covered when we had a major home fire some years ago.  Don't ever think for a minute that "it'll never happen to me". Fortunately we had a good agent go over our policy when we bought the home and had documented most valuable items and had riders on them. Would have been really screwed if we hadn't had.  Might surprise you what items really have a low cap amount on just basic insurance
(I'm not agent or in any way pushing insurance, just passing on what I learned thru experience)
 

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I just went through this about 2 months ago with Allstate.  It was WAY more and they wanted  each firearm appraised.   You are paying less per year than what they wanted from me monthly.   It was heavier than 10k though.   

Yes, apples and oranges, but the point being is it costs quite a bit of  money and even if its our own choice for our own benefit, they have you by the nads and force you to have on file every firearm you own.     

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I am not understanding the same way .     The bill want to cover this,  so what are they accomplishing other than I  passed another gun control law against these  deadly weapons.

 "accidental or unintentional
discharge of the firearm including, but not limited to, death or
injury to persons who are not an insured person under the policy and"

Most riders on insurance are "
Homeowners insurance policies typically cover gun theft and accidental or unintentional damage caused by firearms. On a homeowners insurance policy, $5,000 is the average coverage limit for theft of firearms. You can also schedule your guns under itemized personal property coverage for additional protection.

Offline baldopepper

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Your basic liability clause in your home owners insurance covers anyone injured outside of yourself.  I argue that with basic insurance I meet what their requirement is.   I use the $10,000 rider on firearms because that amount didn't require me to specifically list the firearms.  If I had wanted more, or had one that was waymore valuable I would have had to list and pay more.  I hate dealing with insurance, but have learned to know what I have ( or havent) before I need to use it. Don't like them forcing it down my throat, but have what I need (hopefully) to protect myself.
 

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They're trying to change a choice into a requirement for reasons not to be confused with good intentions.  Dont anyone try and reason it into being okay.  Its an attack.  See it for what it is.

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Absolutely!

Offline MADMAX

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Received from state senator Wilson

“ Thank you for your email.  I am adamantly opposed to this – and all other legislation – which infringes/impairs on or violates our 2nd Amendment rights!  Please participate in the public hearing on this bill in whatever format you’re able!  It’s on Monday, January 29th at 10:30 AM.
 
I remain concerned about how emboldened my Democratic colleagues have become – to empower criminals and take away the ability for law-abiding citizens to defend themselves – all while simultaneously supporting policies which cripple our law enforcement officers’ ability to do their jobs.  Firearms in the hands of law-abiding citizens are not the problem – Washington already has some of the strictest gun-control laws in the nation!  As you and I know, criminals don’t care about breaking the law.  Crimes of all types are skyrocketing across the state while Democratic lawmakers, Governor Jay Inslee, and Attorney General Bob Ferguson continue to push soft-on-crime policies and look the other way.  Make no mistake – Washington state has a public safety crisis!”
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Comments of opposition sent to my representatives. Thanks for posting.
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Wasn't there some requirement passed a couple years ago that said you had to own a safe?  And that would absolve liability from theft?

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I didn't see this mentioned yet, but if they do pass this and then decide to start enforcing it somehow, who do you think they are going to come down on first?  How about anyone who has bought a hunting license.
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I didn't see this mentioned yet, but if they do pass this and then decide to start enforcing it somehow, who do you think they are going to come down on first?  How about anyone who has bought a hunting license.
What if you've only ever bought archery tags?

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I didn't see this mentioned yet, but if they do pass this and then decide to start enforcing it somehow, who do you think they are going to come down on first?  How about anyone who has bought a hunting license.


That would be blatant discrimination, more likely have to go by registered gun owners.  Even if it passes, its unlikely to be enforced.

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I didn't see this mentioned yet, but if they do pass this and then decide to start enforcing it somehow, who do you think they are going to come down on first?  How about anyone who has bought a hunting license.


That would be blatant discrimination, more likely have to go by registered gun owners.  Even if it passes, its unlikely to be enforced.

The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized

Offline bornhunter

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I didn't see this mentioned yet, but if they do pass this and then decide to start enforcing it somehow, who do you think they are going to come down on first?  How about anyone who has bought a hunting license.
What if you've only ever bought archery tags?

That would depend on if your bow looks scary.

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If or when this bill passes, one of the larger gun manufacturers or firearm owner organizations of some kind will fund someone to file a constitutional challenge (lawsuit) claiming this law is discriminatory against law abiding citizens. (Which it is) That the law unfairly targets the less fortunate who can't afford a gun, a gun safe and an insurance policy. (Which it does) Once the suit has been filed, the law and the enforcement of, will go on hold until the suit and any appeals have been exhausted. If the law is ever deemed constitutional, there will be a lengthy time period for all to abide by the specifics of the law.
Contacting your representative and letting them know how you feel is most likely a waste. By all means, the representatives need to know what you think and understand that you are paying attention to how they vote but believing that will make a difference to any of them (imo) is a fairy tale. The sides are so polarized now, representatives do not care what their constituents believe. It seems as though, there are very few left that aren't far right or far left. Someone in the middle may be willing to listen to an argument that may sway their vote but those reps are few and far between. Throw in the fact that the businesses that may benefit from this bill passing or failing, will have lobbyist pushing the representatives that may or may not vote for or against. The whole system leaves the individual constituent with little to no influence in the system. Our only real influence comes from the money we spend and where we spend it.
 Think about who benefits from this law, Gun safe companies, insurance companies. These are the entities that need to hear from you. They need to know that if they support a law like this that as a gun owner, you'll never own one of their safes. If an insurance company is backing this law, find another insurance company. Not sure how, but someone should be able to find out who with the money is backing this bill or backing a candidate that will vote for this bill.
 A law as flawed as this one will be challenged and I can't believe they'll get it past the 2nd amendment argument. Someone that is in peril by a legitimate threat, that goes to buy a gun and can't afford the safe that is required to go with or prove they have an insurance policy that covers them having said gun in the house, "can't" exercise or utilize the right given to them by the second amendment. Seems like such an absolutely obvious infringement on the second amendment but nowadays, you just never know.
 After going back over and reading this, I guess I should say I'm sorry! I wasn't aware of the level of my cynicism in the world we're all living in. Good luck out there and stay safe.
 FWIW, owning a firearm comes with an inherent responsibility to keep that firearm from falling into the hands of someone that hasn't been given the authority to have said firearm. If you're one that lives with a firearm within reach at all times, when you leave that gun and someone picks it up and does something stupid, heinous or irresponsible with it, it doesn't take much of a lawyer to show that as the gun owner, you're to some degree culpable. You're the gun owner and whether you like it or not, everyone that owns firearms should know that no matter what else that gun is used for, it was designed and built for two things, to protect yourself and to kill something. Yes, you may get a big kick out of shooting targets but that isn't what the gun is for. The gun is a tool just like any other tool. It has a purpose just like a hammer or an axe and these gun owners that let their three year old get their hands on it, give every other gun owner a bad name.
 Hunters alike, whether we like it or not, whether an archer, a muzzleloader or modern firearm carrier, are all lumped in by some, with anyone that uses a gun to cause harm. It makes absolutely no sense whatsoever but it's an inevitable fact. If we as hunters, (not shooters) that use guns to kill animals, don't come to the table and become part of a solution, in some minds, we're part of the problem. As long as we're part of the problem in those minds, our interests and needs as a group will never be taken into consideration by those minds! Again sorry! Just the ramblings of a hunter.

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If or when this bill passes, one of the larger gun manufacturers or firearm owner organizations of some kind will fund someone to file a constitutional challenge (lawsuit) claiming this law is discriminatory against law abiding citizens. (Which it is) That the law unfairly targets the less fortunate who can't afford a gun, a gun safe and an insurance policy. (Which it does) Once the suit has been filed, the law and the enforcement of, will go on hold until the suit and any appeals have been exhausted. If the law is ever deemed constitutional, there will be a lengthy time period for all to abide by the specifics of the law.
Contacting your representative and letting them know how you feel is most likely a waste. By all means, the representatives need to know what you think and understand that you are paying attention to how they vote but believing that will make a difference to any of them (imo) is a fairy tale. The sides are so polarized now, representatives do not care what their constituents believe. It seems as though, there are very few left that aren't far right or far left. Someone in the middle may be willing to listen to an argument that may sway their vote but those reps are few and far between. Throw in the fact that the businesses that may benefit from this bill passing or failing, will have lobbyist pushing the representatives that may or may not vote for or against. The whole system leaves the individual constituent with little to no influence in the system. Our only real influence comes from the money we spend and where we spend it.
 Think about who benefits from this law, Gun safe companies, insurance companies. These are the entities that need to hear from you. They need to know that if they support a law like this that as a gun owner, you'll never own one of their safes. If an insurance company is backing this law, find another insurance company. Not sure how, but someone should be able to find out who with the money is backing this bill or backing a candidate that will vote for this bill.
 A law as flawed as this one will be challenged and I can't believe they'll get it past the 2nd amendment argument. Someone that is in peril by a legitimate threat, that goes to buy a gun and can't afford the safe that is required to go with or prove they have an insurance policy that covers them having said gun in the house, "can't" exercise or utilize the right given to them by the second amendment. Seems like such an absolutely obvious infringement on the second amendment but nowadays, you just never know.
 After going back over and reading this, I guess I should say I'm sorry! I wasn't aware of the level of my cynicism in the world we're all living in. Good luck out there and stay safe.
 FWIW, owning a firearm comes with an inherent responsibility to keep that firearm from falling into the hands of someone that hasn't been given the authority to have said firearm. If you're one that lives with a firearm within reach at all times, when you leave that gun and someone picks it up and does something stupid, heinous or irresponsible with it, it doesn't take much of a lawyer to show that as the gun owner, you're to some degree culpable. You're the gun owner and whether you like it or not, everyone that owns firearms should know that no matter what else that gun is used for, it was designed and built for two things, to protect yourself and to kill something. Yes, you may get a big kick out of shooting targets but that isn't what the gun is for. The gun is a tool just like any other tool. It has a purpose just like a hammer or an axe and these gun owners that let their three year old get their hands on it, give every other gun owner a bad name.
 Hunters alike, whether we like it or not, whether an archer, a muzzleloader or modern firearm carrier, are all lumped in by some, with anyone that uses a gun to cause harm. It makes absolutely no sense whatsoever but it's an inevitable fact. If we as hunters, (not shooters) that use guns to kill animals, don't come to the table and become part of a solution, in some minds, we're part of the problem. As long as we're part of the problem in those minds, our interests and needs as a group will never be taken into consideration by those minds! Again sorry! Just the ramblings of a hunter.

Yep.
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If or when this bill passes, one of the larger gun manufacturers or firearm owner organizations of some kind will fund someone to file a constitutional challenge (lawsuit) claiming this law is discriminatory against law abiding citizens. (Which it is) That the law unfairly targets the less fortunate who can't afford a gun, a gun safe and an insurance policy. (Which it does) Once the suit has been filed, the law and the enforcement of, will go on hold until the suit and any appeals have been exhausted. If the law is ever deemed constitutional, there will be a lengthy time period for all to abide by the specifics of the law.
Contacting your representative and letting them know how you feel is most likely a waste. By all means, the representatives need to know what you think and understand that you are paying attention to how they vote but believing that will make a difference to any of them (imo) is a fairy tale. The sides are so polarized now, representatives do not care what their constituents believe. It seems as though, there are very few left that aren't far right or far left. Someone in the middle may be willing to listen to an argument that may sway their vote but those reps are few and far between. Throw in the fact that the businesses that may benefit from this bill passing or failing, will have lobbyist pushing the representatives that may or may not vote for or against. The whole system leaves the individual constituent with little to no influence in the system. Our only real influence comes from the money we spend and where we spend it.
 Think about who benefits from this law, Gun safe companies, insurance companies. These are the entities that need to hear from you. They need to know that if they support a law like this that as a gun owner, you'll never own one of their safes. If an insurance company is backing this law, find another insurance company. Not sure how, but someone should be able to find out who with the money is backing this bill or backing a candidate that will vote for this bill.
 A law as flawed as this one will be challenged and I can't believe they'll get it past the 2nd amendment argument. Someone that is in peril by a legitimate threat, that goes to buy a gun and can't afford the safe that is required to go with or prove they have an insurance policy that covers them having said gun in the house, "can't" exercise or utilize the right given to them by the second amendment. Seems like such an absolutely obvious infringement on the second amendment but nowadays, you just never know.
 After going back over and reading this, I guess I should say I'm sorry! I wasn't aware of the level of my cynicism in the world we're all living in. Good luck out there and stay safe.
 FWIW, owning a firearm comes with an inherent responsibility to keep that firearm from falling into the hands of someone that hasn't been given the authority to have said firearm. If you're one that lives with a firearm within reach at all times, when you leave that gun and someone picks it up and does something stupid, heinous or irresponsible with it, it doesn't take much of a lawyer to show that as the gun owner, you're to some degree culpable. You're the gun owner and whether you like it or not, everyone that owns firearms should know that no matter what else that gun is used for, it was designed and built for two things, to protect yourself and to kill something. Yes, you may get a big kick out of shooting targets but that isn't what the gun is for. The gun is a tool just like any other tool. It has a purpose just like a hammer or an axe and these gun owners that let their three year old get their hands on it, give every other gun owner a bad name.
 Hunters alike, whether we like it or not, whether an archer, a muzzleloader or modern firearm carrier, are all lumped in by some, with anyone that uses a gun to cause harm. It makes absolutely no sense whatsoever but it's an inevitable fact. If we as hunters, (not shooters) that use guns to kill animals, don't come to the table and become part of a solution, in some minds, we're part of the problem. As long as we're part of the problem in those minds, our interests and needs as a group will never be taken into consideration by those minds! Again sorry! Just the ramblings of a hunter.

Yep.


Well said
GHOST CAMP "We Came To Hunt"
Proud Parent of A United States Marine

We are all traveling from Birth to the Packing House. ( Broken Trail)

“I f he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat.” ― Theodore Roosevelt

Don’t Curse the Darkness.

 


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