I am considering it. This topic got brought up in the SD Law class I took at the NRA HQ. One of the attorneys who taught the class said he had no recommendation of brand, but what he strongly suggested is that you gather the agreements of the policies you are considering and spend a few extra bucks to have them reviewed by an independent attorney. He said some of them he has reviewed might saddle you with some divorce attorney who needs to pick up some extra work and will take what insurance pays. He also said some won't pay until later, so you have to front all the costs and get reimbursed. He also said some have an "out" if you are found to have done any wrongdoing, however slight.
People take offense at this, but if you think about it, it makes sense. Who you want right away is a good criminal defense attorney who knows the local PD and court system and can get there quickly. If the insurance has a service that you can call 24/7 who will get someone like that, that is a plus. Some people say, "I'm not a criminal, so I won't need a criminal defense attorney!" Be smart. Your first challenge is not to accidentally become a criminal, no matter how justified and righteous you believe yourself to be. All the other legal aftermath flows from that. Then, if there is a trial, you might need a specialist in SD Law. If you get sued, you might need a civil litigator.
The point is, know what the insurance will, and will not, actually do for what you're paying them. Don't depend on their marketing materials. It's the actually insurance document that counts.
