It makes a lot more sense to sidestep the entire gun control controversy and instead pass state laws that require anyone who owns a gun to carry insurance. If they have risk factors (like teenagers in the house), their rates go up. If one of their kids sneaks a gun out of the house and gets caught, or uses it to commit a crime, the insurance gets canceled for some meaningful period of time -- say, 10 years.
And if someone steals your gun and you don't report it in a 24-hour window of you finding out, your insurance is suspended.
If you have a rifle and it's only used for hunting, low rates. If you have a Glock and you carry it in an open-carry town or state, your rates will be very high -- because odds are so much higher that innocent bystanders may get caught in a shootout.
Homeowners could be required to carry gun insurance as long as they're still paying on a mortgage, because a gun accident or misuse could result in a large legal judgment against the house.
Oh yeah, and you have to buy coverage for each gun you own.
I think it has real possibilities. What do you think? Or are guns somehow less potentially dangerous than, say, cars?