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Asking for your thoughts...

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Having a CHL here in Texas and being a member of the Texas Concealed Handgun Instructor Association (I am not an instructor, all CHL holders can join and support the organization) brings an added benefit of being able to apply for and obtain a 'self defense' insurance policy.

I have been thinking about getting the insurance, and since there are so many experienced folks here, I am wondering what your thoughts are on something like this and if you think it would be worth the investment?

Also, is the same, or something similar offered where you live ?

Here is the link, and I thank you in advance for your input:
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Well this is the million dollar question! I have asked this same thing on other forums as well! also seeing it asked on others too. I can't get a definitive answer as to what others are doing to protect themselves! seems as if 99% are not covered. I also can't find much on who offers coverage for CCW holders. The Texas plan seems good and have heard of others that have it as well as the NRA insurance. Don't be fooled, your homeowners or umbrella policy will not cover you if the intent was made by you to commit a forcible act upon someone! (Shooting to kill) even if you are protecting your life.

The only way a "home owners" policy like this will pay out is if you unintentionally shoot someone, an "accident". The Texas plan seems to be an isolated program, I haven't heard of many like it other than the NRA insurance.

I somewhat lost interest out of frustration with it and you asking the same questions I have had has started a fresh outlook to this and I am interested to see what others are doing as well. I bet this will be as before with not many thinking they will need it or have never thought about it or will say something like, there's nothing to take, why should I be covered? I say to them why do you CCW then if you think you will never need to use your gun to protect yourself? chances are you will not need to use your CCW rights but there is always that chance as with anything. I would rather protect myself and not need it than need it and not have it! Sound familiar?

I would hate to think that I have worked hard all my life to let some $hit head BG's family that tried to rob me at gun point and lost! take everything I have suing me for wrongful death! I don't think so. I have gotten with a very good local Lawyer that is known for protecting the CCW community's rights but that will be very expensive if I have to retain him having to defend myself! plus if any stupid jury actually awards the BG's family any money that I will be paying out for the rest of my life.

I'm defiantly worried about the potential outcome if this ever happens. I am not about to be one that say's we will cross that bridge when it comes. I am ready for the good debate.

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