Does your homeowner's liability insurance cover self-defense shooting?

[ryang]

It's always a good idea to find out. Usually personal liability insurance will cover you for accidental acts but not intentional ones. Shooting someone in self-defense is an intentional act and some carriers have denied coverage on those grounds.

[walkerboh4269]

Another thing to remember to is to read your policy. What your agent tells you may not be what the policy says.

Way too many Insurance Agents will tell you what they think you want to hear to get you to buy. Only when you have a claim will you find out you are not covered.

[shopkeep]

Remember if a thug breaks into your house:

Deadmen file no lawsuits.

[walkerboh4269]

Remember if a thug breaks into your house:

Deadmen file no lawsuits.

While that maybe true statements like that in Ca on a public message board will come back to haunt you.

Even if you shoot to stop and the "thug" does not survive you still have to worry about his family suing you.

[Rascal]

Remember if a thug breaks into your house:

Deadmen file no lawsuits.

Well the dead man won't, but I would bet money that his/her family will.
Doesn't make any differance if it was justified or not. You will be sued.

[shopkeep]

The best defense you have again frivilous suits like that are pre-paid legal services. You could technically counter-sue the other party to try and recover legal services, but since they were trying to steal from you chances are they have a crooked attorney who's working on contingency.

Fortunately, according to my wife who's in the legal community these types of lawsuits tend to be less common then we've been lead to believe by the media and those around us.

[walkerboh4269]

Most of the pre-paid legal services I have seen are not a good value for the money.

The most they offer would be about 2500 in legal fees and then you are on your own.

Not only that but just as with your homeowners some of the contracts you sign with a Pre-paid legal service will not cover intentional acts.