This is an ugly option. I have worried for a long time they might do this via homeowners/tenant policy. Just like car insurance it would land on the responsible gun owner...the crooks and illegals would still go without. They have nothing to loose. If they do this..we would need to start a cooperative insurance company..like USAA..to cover one another. Maybe that would be a good move..then that organization would be another one to lobby for our gun rights.
Fortunately there are already insurers who will provide it. NRA endorses a couple of them. There is insurance for gun shows, collecting, etc.