You're making sure that when the gun is handled negligently and shoots someone (i.e. when you didn't realize it was loaded, or when you mistook your neighbor or child for a burglar, or whatever), that the financial consequence is covered.
Keeping guns around is risky, but right now society bears that risk, not the people who insist on keeping guns around.
Keeping guns around is risky, but right now society bears that risk, not the people who insist on keeping guns around.