Exactly. But we've been there done that in several threads. There is no good way to provide the required explanation for all the available options.
People need to read their policies. There are no standard umbrellas. There are no policies that cover criminal acts.
Here's a hint though. If the company's marketing material is more verbose than their policy, it's probably not a good deal for you.
There is nothing so tragic as the loss of a child. Parents and teachers should have the means necessary to protect them. 911 ain't gettin' it done.
The anti says "no one needs a 30 round magazine".
Reginald Denny (and quite a few others) might disagree.