Insurance Company gets stupid

Folks on ar15.com would call this "going full-retard." I think that would be an offense to retarded persons everywhere.

Travelers insurance has allegedly dropped some homeowners because they own "assault weapons."
Article.

My response:

"Traveler's isn't in the business of protecting anyone's Constitutional rights. They're trying to protect themselves from a huge personal injury claim if someone accidentally gets shot because the gun is kept out in the open (as an example)."
This is incorrect. As a licensed insurance agent, I can tell you that the part of the homeowners policy mentioned by Mike Barry in the article only pays if the guns in the house are lost, stolen, or destroyed. And then, payment is made to restore the homeowner's guns. This part has nothing to do with bodily injury.

The part of a homeowner's policy dealing with BI (Bodily Injury) is separate, and having a so-called "assault weapon" is no more or less likely to cause injury than any other firearm.
As targeted, most AR 15's and AK 47's actually have weaker cartridges than common rifles used for deer hunting and similar.

The types of firearms kept are no indicator of potential injury. More people are hurt and killed each year in the home due to other common household things: electricity, poisons, and knives, than are hurt or killed form firearms. For insurance company purposes, the risk of the firearm in the home as a potential hazard for the homeowner or legal occupants is negligible. The only risk worth their time is that of the guns being stolen or destroyed.

This is a clear case of the insurance company, Traveler's, wishing to push forth a liberal agenda by one of its "top dogs." I will not own a policy of theirs until this is changed, and I will advise my clients, friends, and family to do likewise.