You are delusional about the motives of everyone who does not share your prurient fascination with guns. Again and again, you have said you know we are thinking and what our end game is, based solely your psychic ability. That’s delusional, or dishonest, or both.
Seems to me if a gun in the house made things measurably safer for the residents, the insurance companies would have discovered this by now.
That is a point that is beginning to interest me. What sort of data do they use to make their decisions? Seems the one thing we are sadly lacking is reliable data. As mentioned upthread, the NRA sells “extra” liability insurance. I glanced at it, not real sophisticated when it comes to insurance, so I don’t really know what I’m looking at, seems to cap out at 250K. Is that a lot? What sort of loopholes and trap doors are in the legalese?
Are gun accidents in the home a part of a general package of homeowner liability? Do any of the main insurance groups ask any such questions? Do they have actuarial tables for risk assessment, and if so, where did they get their data? Does the NRA selling insurance fill a gap, is there some special reason they would be in the business of selling insurance, rather than just their standard output of fear?
Well, as a starting point, how does owning a pool affect homeowner insurance premiums (if it does)?
What kind of insurance would sell it? Homeowners insurance doesn’t care if it makes you safer. They care about your house.
Maybe wouldn’t help that much. For one thing, nobody is going to have fits arguing over the correct definition of a “defensive use” of a swimming pool.
Jesus fuck! I picked up my daughter from work, watched some TV, went to bed, got up, drove my family to church, came home, fixed some plumbing, then, a little while ago, read some threads about topics I’m MUCH more interested in than helping you jerk off, THEN came to this thread. But, in answer to your question, I don’t have to prove the negative and all you have to support your beliefs are a few YouTube news reports on incidents that are so rare that they rate getting on TV.
And the “intruder” could be a raccoon rustling around your back yard, and they are like people in that you can scare them off by yelling and banging pots. Oh, and Kable? I would like to join the chorus saying that when you winged that guy instead of killing him with a solid body shot, that was some pretty shitty shooting for a guy who takes his guns so seriously. Maybe you should stop collecting guns and spend some money on range time and lessons so you know how to use one of them.
This.
House, my ass. Shit, my insurance company won’t let me own a Pit Bull. They care about you getting sued, too.
Careful, guys, we are getting close to chumming the waters for lawyers.
Then they don’t care very much or having a gun only negligibly affects their risk.
Perhaps, but would that mean that the risks are negligible or that the risks are outside the range that insurance will cover? After all, no one sells suicide insurance.
Au contraire, mon frère! At a couple of jobs my life insurance would pay off if I managed to not kill myself until after three years on the job!
This is the problem with much “research” about defensive gun use that relies on personal reports from gun owners.
While there will be some legitimate times when guns were actually used in defense of a home, there will be many other self-reported “cases” where granny hears a sound, finds her gun, drops it, picks it up and puts it down, goes to look around, forgets where she puts the gun, then finally remembers and finds the gun. Then forgets why she got it out in the first place.
This is self-reported as “I heard a criminal, and thank God I had a gun, because I scared him away.”
Wrong again, I know what you guys are thinking and your end game by what you have said and what you have avoided saying. More psychology than psychic ability.
So do you agree with FoieGrasIsEvil about there being 100,000 to 1 million defensive gun uses per year?
It seems like it could be possible to deduce what an accurate DGU would be by looking at homes without guns.
H = number of homes without guns
I = number of H homes which had an intruder while someone was in the house
A = number of times an intruder attacked someone in the H homes
It would seem that A/H would be a somewhat accurate percentage of times that a gun would have been useful for DGU. (I-A)/H would be the percentage when having a gun might not have been necessary.
There was a story in the news recently about Phillip Sailors shooting a man who mistakenly pulled into his driveway. A tragic story all around. If the driver had instead pulled away before he was shot, no doubt Sailors would have related that as a DGU incident. He would think that his gun saved him from an attacker, when in reality it was just someone who was lost.
I thought homeowners’ insurance (sometimes) covered civil liability for stuff related to the maintenance of your property (sidewalks, steps, etc.). Since a gun isn’t part of your home’s physical structure, AFAIK it wouldn’t be relevant.
You drove your family to church and use words like “Jesus Fuck?” Aren’t you people not supposed to take the name of your imaginary friends in vain or something?
OK, so what’s your answer to my question?
OK, so what percentage of reported home invasions turn out to be raccoons?
Join the chorus? You are the first to say that. In my home invasion, it was 2:30 in the morning, no lights on, and I was being struck by a 2"x4". He dropped with the one shot and was compliant with my orders to stay down after that, so I kind of figured a second shot at that point would be murdered. With great power comes great responsibility.
Well afterwards I did put Trijicon night sights on my some of my handguns, a Surefire flashlight forearm on my home defense shotgun, and started shooting competitively. I’m a USPSA Master level shooter now. I give others lessons now. Need any? 
OK, so what number of reported incidents do you accept and what percent do you think are made by grandmothers as you describe?
What would sensible gun control, if any, look like to you?
So that’s how you think these things usually go down? Never like this?
Maybe make the instant background checks by phone that gun dealers do available to anyone for free so that private sellers can do their own checks. Get rid of “gun free zones” at schools. Have the NRA teach gun safety in public schools. Then take steps to lessen violent crime in general like legalize drugs.