I just bought a 9mm handgun (already have my license to carry). I want to add it to my homeowner's insurance. Concerned that it may raise the premium because of the added liability of someone getting hurt by it. (Already have it locked in a gun safe.) Or might it LOWER the premium because now a potential burglar would be apprehended? Or will it not change the premium at all? Help?!?

This would be an item that is covered under the possessions part of the policy. The knee-jerk reaction from the "get undressed, lay down and do everything the nice bad person says" group will be to worry about the liability. Have it close at hand where you can pick it up without having to remember a combination; along with one of those compressed air hand held boat horns. Those things wake up the neighborhood and warn of immenent danger; if the intruder doesn't take the hint then he (she) has my condolences.

It's not going to affect your premium. I have homeowner's insurance through State Farm, and I believe it covers firearm losses up to $5000.

Furthermore, you do not need to declare any firearm purchases to your insurance company. You simply need to be able to prove that you owned one if it ever gets stolen. A receipt, preferably accompanied by a photograph, should be enough to get reimbursed for it--if your deductible is more than the price of the gun.