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The following is an archived video story. The text content of that video story is available below for reference. The original video has been deleted and is no longer available.

Insurance and gun ownership

SANTA ROSA COUNTY -- Florida representative Matt Gaetz filed a bill last fall designed to regulate how insurance companies treat their policy holders that own guns.

Just yesterday, the bill passed a House subcommittee in a 8 to 2 vote.
The bill would allow law-biding gun owners to sue insurance companies if they believe they're being discriminated against.

C.R. Smith often comes to the gun range to sharpen his skills with his 9mm pistol.

"22 years in Marine Corps, 4 years in the Air Force, 4 in the Navy so I've always been around weapons and weapons safety" said C.R. Smith, Gun owner.

As a gun owner he feels strongly about his second amendment right.
He agrees with the bill Representative Matt Gaetz filed last November...
It would make it illegal for insurance companies to raise rates or refuse policies to people because they legally own firearms and ammunition.

"I don't need it [insurance policies] to cost any more just because of one specific pastime. I enjoy being a gun owner" said Smith.

There are already laws on the books that ban insurance companies from refusing coverage but this latest proposed change would allow gun owners to sue the insurance company if they feel unfairly targeted.

"You go through the background checks, you do everything the law requires and you shouldn't be discriminated against just because you choose to have a firearm" said Robert Davis, Oakridge Gun Range.

Bill Hadder owns several insurance companies.
He's unsure why an insurance company would ask if a policy holder owns a gun...

But he has his suspicions to what prompted the bill in the first place.

"Either they're seeing something there that we're not seeing up here or somebody's trying to make a political statement which says we're protecting gun rights" said Bill Hadder, McMahon & Hadder Insurance.

The proposed rules would apply to both home and auto insurance.
If the bill becomes law, it would take effect in July.