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Self-defense Insurance

Self-defense Insuranceprovides civil defense and liability and criminal defense reimbursement if you are involved in an act of self-defense. This type of insurance covers the limit selected for bodily injury or property damage caused by an act of self-defense and cost of civil suit defense.

As a rule, self-defense policy is a part of Homeowners Insurance. This policy covers certain situations in the home that may require self-defense, such as the intruder in the home or arguments among guests or with neighbors, resulting in injuries. However, homeowners liability policies may contain a provision called "intentional injury exclusion". This provision excludes coverage for injury or damage caused intentionally by the insured, as self-defense is intended to protect from harm rather than do harm.

Some liability policies include an exception to the intentional injury exclusion for "bodily injury resulting from the use of reasonable force to protect persons or property." In this case intentional acts of the insured where he uses reasonable force in defending himself, others, or property are covered by self-defense insurance. Thus, mind the exact wording of the exclusion and the policy as a whole.