Gun Control & RKBA

1) pay a fee in the city of San Jose

It is highly unlikely that this aspect of the law will survive a constitutional challenge. This could (and probably will be) categorized the same as a "poll tax" and we all know how that was/is viewed.

2) required to carry liability insurance

Insurers rarely offer any separate gun liability insurance policy. Most individuals have some property and liability coverage for firearms in their standard homeowners’ policy. Additional liability coverage is available through a personal umbrella policy. A few policies cover losses from accidental shootings in excess of the homeowners’ coverage.

When there is liability insurance, it only covers accidental shootings and in some cases, acts of self-defense. There is no coverage for criminal or other intentional shootings.

There is more discussed here.