Welcome to looking at the insurance industry.
I used to have $100,000 of liability insurance and that was the cheapest. I think it was something like 40 bucks a year 10 years ago. I used it once when I flooded out my apartments kitchen and blew up someone's TV in the apartment below me. Why not look at liability insurance and see what the max is?
Umbrella coverage generally excludes self-defense. You need dedicated self defense insurance.
Oh. In my state I remember reading somewhere that you have to be shot at in order for you to return fire. And then expect to get arrested anyway.
Sounds like you live in a commie state. Move.
If you can afford it, you want CCWSafe. They cover everything. Even if you get railroaded in a criminal trial, they still cover it AND any civil trials AND loss of wages. Unlike most competing insurers, CCWSafe doesnt try to screw you with repayment if you're railroaded. If it's plausibly self defense, they cover everything.
It's the option with the fewest weasely exclusions.
Have you read their contract? Or have you personally had to experience the service they provide?
I read the contract. They're one of the few with adequate coverage to take a self-defense shooting all the way through a criminal trial AND not try to screw you by making you repay them if you get railroaded.
I was stuck in a hospital waiting room for an entire day with eff all to do once and did exhaustive research and made a spreadsheet. CCWSafe was the best by far. Other competitors like USCCA have weasel-fuckery like defending you well in the criminal trial...but they pick your attorney for liability suits and can settle for you. Which is life ruining bullshit if you win the criminal trial but then have your reputation ruined forever by them settling a liability lawsuit rather than telling some dindu nuffin's family that you're going to trial and will bankrupt them with slander suits if they claim their future scholar was murdered by you when he broke into your bedroom with an axe.
Other options tend to have inadequate coverage or worse weaseling where they decide if it was a righteous shoot BEFORE choosing to cover you, or only cover home invasions, or only your home state
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