Seriously. From Lockton Risk, “the NRA endorsed property and casualty insurance program”:
Our Self-Defense Insurance protects National Rifle Association members who need extra protection not found in most homeowners’ policies.
The coverage is a rider to the Excess Personal Liability coverage, and provides civil defense and liability and criminal defense reimbursement if you are involved in an act of self-defense.
What’s Covered:
• Provides coverage up to the limit selected for criminal and civil defense costs. • Cost of civil suit defense is provided in addition to the limit of liability for bodily injury and property damage. • Criminal Defense Reimbursement is provided for alleged criminal actions involving self-defense when you are acquitted of such criminal charges or the charges are dropped. Liability Limit Options:
• $100,000 Combined Single Limit with $50,000 criminal defense reimbursement sub-limit • $250,000 Combined Single Limit with $50,000 criminal defense reimbursement sub-limit Purchase your Self-Defense Coverage online.
If that makes you feel like crying, this comic from Matt Bors might help.
This article appears in Jun 13-19, 2012.