I am an insurance agent in upstate NY and I am also a gun enthusiast.
At this point, as far as I know, there are no homeowners policys that address coverage for self defense shootings etc. (for both legal defense costs as well as court awarded losses). I am in the process of working with an A rated insurance company in providing automatic coverage using their umbrella policy. In other words, you would have to purchase a homeowners and umbrella policy with them to get the coverage. A $1,000,000 umbrella only costs about $200 or so. I will post the details of the policy once it's approved. It will be an exciting policy to offer my fellow sportsmen and there will be no need to buy a separate policy to provide coverage for reasonable defense of life or property using a firearm. I don't want to come off as a salesman, but I think it's a great new product that many if us could greatly benefit from. And I do have the capacity do write policies all across both NY and PA. For example, I currently have a niche program for contractors and insure over 900 clients all across both states, all from my office located in upstate NY. Distance is not a factor for us! I cannot wait to get approval since I'm looking for coverage to protect myself as well! I would also love to gauge the interest from all of you. Please, by all means, feel free to leave any comments you might have! I am very interested in hearing how many of you would be interested in such a policy. Hopefully it is not against the rules o this forum to use it for commercial purposes, but I feel that this coverage is critical to all of us and at the current time it's very expensive and difficult to find. I will not use this forum to advertise, but once it's approved, I will gladly answer any messages from a forum member interested in obtaining coverage or needing any insurance advice. If the program is successful, we may open it up to more states each year in the hopes of expanding it to 30 or 40 states.