I added a liability rider to my homeowners insurance to the tune of $1mil. Cost about $600 if I remember correctly.
I did the same thing over 20 years ago. It could protect you in many other scenarios as long as there is an absence of malice. Unfortunately in NYS, if one were to shoot another in self defense, the shooter would have to face a Grand Jury trial. $25,000 -$40,000 in legal fees. None of the insurances offered by anyone protects you from that.
But if you saved your life or a family member's life, it's worth the legal fees.
Dan
