The proposed city ordinance would require all firearm owners in San Jose to carry liability insurance for their weapons. The novel law, which requires gun owners to carry liability insurance and pay an annual feepartially went into effect on Jan. 1.The Gun Harm Reduction Ordinance requires firearm owners to obtain and maintain liability insurance and pay an annual gun harm reduction fee. "The 2nd Amendment protects Americans' rights to own guns, but it does not require that every other taxpayer pay for that right," said Liccardo. Governor Gavin Newsom proposed a 28th Amendment to the United States Constitution to enshrine fundamental, broadly supported gun safety measures into law. On New Year's Day, San José became the first city in the nation to require gun owners to pay a yearly fee and carry gun liability insurance. San Jose's firstofitskind gun ownership insurance mandate doesn't violate the Second Amendment, according to a federal judge. Today, if you live in San Jose you have to pay an annual fee AND carry liability insurance. The bad news is that similar. In 2022, San Jose, California, and New Jersey passed laws requiring gun owners to carry liability insurance.