SMOOTHboar wrote:I would not recommend that any one... rely on the combination of a Home Owners Policy and Umbrella Policy to be your sole source of representation in a shooting. Your policies in the Great State of Texas DO NOT COVER CRIMINAL ACTIVITIES or the DEFENSE THEREOF. I am not an attorney... but I am licensed in the State of Texas for Property and Casualty Insurance.
Homeowners/Umbrella policies will not cover you for a justified shooting. They do not cover "intentional" acts. So unless you can prove that you were attacked, but the shooting was accidental (
) -- you're out of luck! (At least that's the way MINE reads -- YMMV)