Yahoo’s OMG reports that an actress who left the jewelry in her car had it stolen while she was at a friend’s Hollywood apartment.

So what’s this got to do with gun insurance?

Well, hundreds of thousands of guns go bad by being stolen each year, many from cars. The value of the object being stolen does not seem to be adequate to prevent this problem. Insurers will limit this exposure if they are going to be responsible for the future damage the guns do. Of course, responsible gun owners don’t leave their guns in cars. Insurance is a way to engender that responsibility.