Like auto insurance.
If you have risk factors, your premiums are higher.
https://sanjosespotlight.com/san-jose-gun-owners-need-liability-insurance-in-2023-firearms/
It's a baby step.
What I would hope for is that the vast bulk of law abiding firearm owners would have a long term, nearly negligible insurance cost, but people with criminal convictions, stolen weapons that were improperly secured, small children who got access to unsecured/no triggerlock/no action lock firearms, kids who take guns to schools, straw purchases, and other bad behavior would result in premiums that have some serious bite.
Homeowners should be keeping a tight rein on access to firearms.
I treat my firearms as dangerous tools (like a unshielded portable bandsaw) and have trained my kids the same way when I taught them to shoot.