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So I've been looking at adding on an Umbrella Policy for awhile now. And by awhile, I mean 6 months when I realized they existed.
A friend of mine had asked if I knew anything about Self Defense insurance and I thought maybe an Umbrella policy would cover it.
So I called my SF agent. That was an awkward conversation btw.
SF has wording in their UPs that state they won't pay out for "Intentional" acts.
I guess you still intentionally pull the trigger in a self defense situation and that's their way of getting out of paying.
Why would you need this coverage might you ask? All sorts of reasons I hope never happen.
Some "Yutes'" parent may sue you after defending yourself against their choir boy mugger of a kid.
Maybe some anti-gun DA is trying to make a name for them self.
Either way, I don't know a lot about this. I read up on some "self defense" insurance programs but they only pay you back after the fact and only if you're acquitted.
Are there any carriers out there that have UPs that don't specifically use the term "intentional?" Or are there UPs designed for this kind of risk in mind?
A friend of mine had asked if I knew anything about Self Defense insurance and I thought maybe an Umbrella policy would cover it.
So I called my SF agent. That was an awkward conversation btw.
SF has wording in their UPs that state they won't pay out for "Intentional" acts.
I guess you still intentionally pull the trigger in a self defense situation and that's their way of getting out of paying.
Why would you need this coverage might you ask? All sorts of reasons I hope never happen.
Some "Yutes'" parent may sue you after defending yourself against their choir boy mugger of a kid.
Maybe some anti-gun DA is trying to make a name for them self.
Either way, I don't know a lot about this. I read up on some "self defense" insurance programs but they only pay you back after the fact and only if you're acquitted.
Are there any carriers out there that have UPs that don't specifically use the term "intentional?" Or are there UPs designed for this kind of risk in mind?