Way I stated my response is that insurance does not give you discount for having a gun for being safer from burglary (you aren't) but will raise your premium if you itemize guns and let them know you have them (because you are less safe).

No, they don't ask if you have guns, just like they don't ask if you are running a meth lab in your basement, but if ether of these are discovered and are a source of insurance claim, you can be sure it will be denied.

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