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Jumping Frog wrote:

barstoolguru wrote:if you want more protection from law suits increase your homeowner policy liability insurance. you can get a million dollars under a blanket policy on your homeowners for about 4 dollars a year, I did mine under farmers

One needs to actually read their policy to see if their homeowner's policy will cover self defense. Many do not. Some language in there about intentional torts or something like that, IIRC.

I am not talking about intention towards another, I am talking about lawsuits that might come out of a shooting like damage to property or if someone else gets hurt. This would be no different than if you were in a car wreck and was getting sued by another because your car insurance has limits. They will go after you and your home owners will step in.


Years ago I threw a bat at a guy that was trying to run me over and it bounced off of his car and hit another. The home owners INS paid the damages calling it an “act of god” because the bat hit an unintended person

Jumping Frog wrote:

barstoolguru wrote:if you want more protection from law suits increase your homeowner policy liability insurance. you can get a million dollars under a blanket policy on your homeowners for about 4 dollars a year, I did mine under farmers

One needs to actually read their policy to see if their homeowner's policy will cover self defense. Many do not. Some language in there about intentional torts or something like that, IIRC.

There were some discussions on this subject. I asked my agent and they said it does not cover lawyers’ fees to defend you but what it will do is protect you in the event of a law suit. If your bullet misses your intended target and damages something other than what you were shooting at. I asked them two different times and they say the same thing and let’s face it; it's 4 bucks for a million dollars of coverage that covers you in a car wreck or any other situation when someone is going after your house

if you want more protection from law suits increase your homeowner policy liability insurance. you can get a million dollars under a blanket policy on your homeowners for about 4 dollars a year, I did mine under farmers