So forcing gun owners to have "gun insurance" would help? As far as I know homeowner liability insurance does not cover intentional or criminal acts.
And why would you be responsible for a heinous act perpetrated by someone who breaks into your domicile and steals your property?
Auto insurance does not cover criminal acts when your vehicle is stolen and used in a crime.
Should you have to have "alcohol insurance" in case a teenager breaks into your home and drinks it dry?
There are many dangerous objects you can own that you don't need to insured.
Why don't we just force everyone to get health insurance even if you are healthy, young, and can't afford it....oh wait.
Insurance is not meant to cover for the acts of criminals. They are supposed to be punished and you are not supposed to be able to buy your way out of punitive damages.