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View Diary: Firearms should be regulated like cars (166 comments)

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  •  Not title insurance, homeowners' insurance (2+ / 0-)
    Recommended by:
    ebrann, radical simplicity

    Title insurance is only to make sure the house is really mine and the bank's, in the event I go to sell it (title insurance is a must with all the foreclosures these days - my HOA foreclosed on a home 3 years ago and the idiots at the bank keep trying to serve the non-existent homeowner, because somebody STILL hasn't updated the title work - stupid because in public records it clearly shows the HOA is the owner).  

    I'm required to carry liability, property and windstorm by my mortgage company - it protects me if somebody is injured on my property and protects the asset that I own with the bank in the event of fire or hurricane, so we can rebuild it and they get to keep collecting their mortgage payments.  

    My mother has no mortgage, but I keep liability, property and sinkhole insurance on her house.  My insurance is $3,000 / year, her's is $800 / year (windstorm is the difference).  

    If somebody trips and falls while working in / on my house or her house (or some crazy golfer beans one of guests in the backyard and knocks them out), our liability coverage takes care of any potential claim (and in Florida, one of the "sue me" states, you better believe a suit would be filed, even by the best of friends).

    My dad owned two .38s and a shotgun (I have them now).  He had a CC permit, I do not.  I keep the .38s in a locked box, hidden in a "safe pocket" in my house (that's not locked but it requires moving a large item and taking out a hidden door to get to it).  I don't need to get to them quickly and I don't want anybody else to get to them easily.  My liability insurance is a little bit higher than it was before I brought them home and registered them in my name after he passed away.  My mom's GL went down a little bit after I cancelled his CC permit and removed them from her house.  The difference is less than $50 for each of us.  

    My brother in law (an Iraq vet) used to work at a gun shop, before he got on with the Fire Department.  He told me I should trade in the .38s for a Lady Glock.  I do not feel the need.  I don't foresee ever using them - probably should just sell them, but since I can't guarantee that the registration would be updated, I don't want one of them being used in a robbery and coming back to me.  So I just keep them locked away where they can't be used against me physically or theoretically via paperwork / lawsuit.  

    "Focusing your life solely on making a buck shows a certain poverty of ambition. It asks too little of yourself. Because it's only when you hitch your wagon to something larger than yourself that you realize your true potential." - Barack Obama

    by Ricochet67 on Sat Jan 05, 2013 at 05:54:03 AM PST

    [ Parent ]

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