1. Actuarially-priced insurance for a white 50 year old male who lives in a rich area and has an 800+ credit score, and owns NFA items and ~500 guns, would be less for all of his collection than for a single 21 year old black male who owns a single Raven .25acp (legally) for self defense.
(Maybe the younger guy is a military veteran, is volunteering to help his community and thus lives in a high-crime area, and has that gun to protect his 5yo niece from criminals in the neighborhood. Or, maybe he's a gang member who hasn't gotten arrested yet. The insurer would assume the latter.)
I mean, look at car insurance. There's also more of a socially-beneficial and defensible use for the 21 year old who wants to defend his family than for a collector, really.
2.
Stolen guns are minor part of the supply of guns (10-15%). The benefits of this whole proposal could come from universal background checks on transfers, to the extent that they hinder straw purchases from dealers and "outside the gun show" person to person sales across state lines.
~all guns start out legal (at the manufacturer); the issue is how they go from manufacturer to first sale and then subsequent sales. Right now, a large number of illegal guns (particularly handguns) come from straw purchases (where a criminal has a non-criminal buy a gun from a dealer) or from private party sales (generally across state lines, since high crime places like LA, Baltimore, DC, Chicago have strict gun laws; places with low gun crime have looser laws).
(Maybe the younger guy is a military veteran, is volunteering to help his community and thus lives in a high-crime area, and has that gun to protect his 5yo niece from criminals in the neighborhood. Or, maybe he's a gang member who hasn't gotten arrested yet. The insurer would assume the latter.)
I mean, look at car insurance. There's also more of a socially-beneficial and defensible use for the 21 year old who wants to defend his family than for a collector, really.
2. Stolen guns are minor part of the supply of guns (10-15%). The benefits of this whole proposal could come from universal background checks on transfers, to the extent that they hinder straw purchases from dealers and "outside the gun show" person to person sales across state lines.
~all guns start out legal (at the manufacturer); the issue is how they go from manufacturer to first sale and then subsequent sales. Right now, a large number of illegal guns (particularly handguns) come from straw purchases (where a criminal has a non-criminal buy a gun from a dealer) or from private party sales (generally across state lines, since high crime places like LA, Baltimore, DC, Chicago have strict gun laws; places with low gun crime have looser laws).