Last Updated on October 2, 2025 by The Insurance Pros
Michigan’s New Firearm Storage Law: What Owners Need to Know
On February 13, 2024, Michigan enacted a safe-storage law aimed at reducing preventable firearm injuries to minors. If you own a firearm and a minor is or could be present in your home, this law now requires you to follow specific secure storage rules. Here’s what you need to know.
🔒 What the Secure Storage Law Requires
Under MCL 28.429, if a firearm is left unattended on property you control, and a minor is or is likely to be present, you must either:
- Store the firearm in a locked container, or
- Keep it unloaded and secured with a locking device
The same requirements apply when leaving a firearm on someone else’s property or in a vehicle; in that case, the firearm and the vehicle must both be locked, or the gun must be unloaded and secured.
⚖️ Penalties for Non-Compliance
The law includes serious consequences if a minor gains access to an improperly stored firearm:
- Misdemeanor: Up to 93 days in jail or $500 fine
- Felony: Up to 5 years or $5,000 if a child is injured
- Enhanced penalties: If the result is death or permanent harm
Some exceptions apply (such as hunting or training under adult supervision, or if the child obtains the firearm via unlawful entry).
🧰 Storage Solutions & Safety Best Practices
To comply, consider one of the following firearm storage methods:
- Gun safes or lockboxes
- Cable locks or trigger locks
Example safe storage products:
Other helpful practices:
- Store ammo separately
- Don’t leave keys or combinations out
- Routinely test locks and safes
Free gun locks are available through select Michigan health departments or MDHHS offices.
🏠 Why Firearm Storage Affects Insurance & Risk
Responsible firearm storage can impact your homeowners insurance profile. While following the law doesn’t guarantee coverage in the event of a claim, it may reduce liability and demonstrate safety-conscious behavior if an incident occurs.
✅ What to Do Next
- Audit your current firearm storage setup
- Upgrade to a compliant safe or lock
- Request a free gun lock if needed
- Keep documentation (photos, receipts, storage logs)
📥 Download our “Firearm Safe Storage Checklist for Michigan Homeowners” to keep on hand for peace of mind and compliance tracking.
❓ Frequently Asked Questions (FAQs)
Do I have to lock my firearm even if I don’t have kids?
Yes. The law applies when minors are present or likely to be, such as visitors, relatives, or neighborhood kids.
What qualifies as a ‘locked container’?
A gun safe, lockbox, or storage case that requires a combination or key qualifies as a ‘locked container.’
Is a trigger lock alone enough?
Yes, a trigger lock is sufficient if it disables the firearm, regardless of whether it is used with a locked container or not.
Will this impact my home insurance?
Safe storage demonstrates responsibility. While not required for coverage, it can reduce risk and help with liability evaluation.
Where can I get a free gun lock in Michigan?
Local health departments, county offices, or your insurance agent may have free resources available.
🔐 Questions about how your home coverage handles firearm-related liability? Contact us for a quote or personalized coverage review.
