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Much like how one insures their car, why not also your gun? Regulations would need to be put in place to make sure a person would be a responsible gun owner in the same way regulations are done for responsible drivers. You wouldn’t be able to travel with it if you didn’t have proof of insurance. It would mean that if something happens to/with your gun that caused damage to property or people then your insurance would pay for such a claim rather than you. If your gun is stolen and then retrieved by law enforcement you would only need proof of insurance to retrieve it because you’re a responsible gun owner, it’s not your fault it got stolen. If someone else uses your gun for malicious purposes, it takes the blame off of you because that may be your gun but that doesn’t mean you gave them permission to use it in such a way and the insurance would be the one going to court over it rather than you if it reached that point.