To the individual posting about insurance....that is no excuse for negligent or careless behavior. Most responsible people realize it is a means of providing some level of financial protection in the case of a catastrophic loss. Gun owners share the same responsibility that every homeowner does...we should take reasonable care to secure items in our house that could pose a danger to others, including members of our own family. For many of us, a simple gun cabinet does the trick. Others keep them hidden in a dark corner of a closet. Others still find that an actual security safe provides the level of protection they want.
You are saying three different things that:
1) I'm careless and negligent for not locking everything up. ".that is no excuse for negligent or careless behavior."
If you are negligent or careless for not having or using a safe id be willing to bet almost all gun owners are.
2) Everything dangerous should be "secured". "we should take reasonable care to secure items in our house that could pose a danger to others,"
Pretty sure i've been asking why firearms get so much extra "protection" we people don't buy safes to store just as dangerous of items or items of greater value (in general). For example there is 40,000 chainsaw injurys a year yet they sit in our garage or shed. Falling TV's kill more kids under the age of 18 then firearms yet we don't insist people make sure its bolted or tethered down.
3) where you really confuse me you go back on the negligent or careless behavior talk and say people and say people are free to pick what they want. "For many of us, a simple gun cabinet does the trick. Others keep them hidden in a dark corner of a closet. Others still find that an actual security safe provides the level of protection they want."
I really don't care how they stored but what bugs me is when people get after others for doing nothing wrong and calling negligent/careless/reckless when someone breaks into you house/car/trailer/place of business and steals something because it wasn't locked up to their level of satisfaction. If people want to put spongebob bandaids on the firearms because it makes them feel safer more power to you but its certainly not required nor or you negligent/careless/reckless.
Just an fyi tho spongebob bandaid method so far 0% theft rate so far.
Anyways ever since i copy and pasted out of your quote the quick reply box went ape**** and i may have to edit to fix it. As i can't see what I'm typing unless i highlight over it.
I think you are having a hard time interpreting what folks are posting. I didn't call you negligent or careless...I said relying on insurance to replace the value of a stolen item can be negligent or careless if a person doesn't do their part to keep those insured valuables safe. Lots of people put similar care into storing other dangerous items in the house, not just their guns. We have our cleaning supplies locked to where out kids can't get to them, and my chemicals in the garage are also locked up. Several of my tools are also locked away to where our kids (or others) can't get into them and cause problem. Matches are hidden in a place where the kids can't get to them. I could go on and on with a number of other "reasonable" actions that many people take for other every day items.
IThe point that you appear to try to be making is that all of us should just leave guns laying all over the house wherever we decide to set them down, because they are less dangerous and no more valuable than other items in our house that could be easily replaced by insurance in the event of theft, and as such securing them in a safe is a waste of time and money. Am I missing something?
I see what you are saying and agree that most here don't talk much about insurance protection. I think its mostly due to letting someone else be accountable for their belongings.
I'm saying you put the same care and security in them as things of equal value/danger. Treating them like they are some mythical item requiring extra care is silly.
If you want to protect your investment and not be out thousands of dollars in the event of a theft insurance takes care of a problem that a safe only hopes to prevent and for the cost of a safe you could buy a lifetime supply of insurance. A real safe costs a lot a cheap one offers no protection. The cost to benefits don't even compare to the few dollars a rider on your homeowners costs. How you store them is completely up to the individual. But you certainly aren't negligible/careless/reckless or whatever if you do not store all your firearms in a safe.
Does it make sense per dollar spent insurance will protect you more then a safe.
A real safe costs upwards of $10k. My whole gun collection costs less than that. I lock them up in a POS safe so that idiots at my house don't get into it. If a real crook breaks into my house and wants my guns, he's going to be able to get into that safe just the same as he'd be able to get into a $2000 safe. Any of the typical "gun safes" are just sheet metal, and aren't real safes. They don't provide any REAL protection (other than fire ratings).
A real safe needs to be TL rated. And even that is only guaranteed to keep crooks out for a specified (rather short) period of time. My collection does not justify the cost.
If you want a fire rated safe, that's another topic, and I say go for it.
Basically, get a sheet steel safe (they're all pretty much the same and don't provide much, if any, REAL protection) to keep idiots out and get an insurance policy that covers your stuff. Get a safe with a fire rating if it makes you happy.