Well that's what I'm asking about this "gun insurance."
You buy car insurance to cover loss or damage to your own vehicle, but to also provide you with liability coverage if you should cause an accident and cause loss or damage to someone else. However, I'm pretty sure most of those policies will have an intentional act exclusion that denies coverage if you intentionally cause the accident.
If my gun is stolen from my car, or maybe damaged in a house fire or tornado or something, I already have insurance for that. My homeowners or renters insurance is going to cover that loss.
If I accidentally shoot someone, say a gun I'm handling accidentally discharges and hurts or kills someone, again the liability coverage under my homeowners or renters policy possibly provides me with coverage. Also, again, that coverage is going to deny coverage for "intentional acts" like going into a school and shooting a bunch of kids.
So that's what I'm asking. Are people who suggest mandatory gun insurance saying that a gun purchaser would purchase insurance that would cover one of these intentional acts?