TexasCHLforum.com

barstoolguru wrote: they say the same thing and let’s face it; it's 4 bucks for a million dollars of coverage that covers you in a car wreck or any other situation when someone is going after your house

I was not saying an umbrella policy is a bad decision -- I have one myself. I was simply saying that one needs to read the fine print and compare companies because not every insurance policy treats this situation the same.

barstoolguru wrote:if you want more protection from law suits increase your homeowner policy liability insurance. you can get a million dollars under a blanket policy on your homeowners for about 4 dollars a year, I did mine under farmers

One needs to actually read their policy to see if their homeowner's policy will cover self defense. Many do not. Some language in there about intentional torts or something like that, IIRC.