Advertiser Disclosure

Firearm Insurance



With the growing availability of concealed carry laws, more citizens are choosing to carry firearms and to keep them accessible for defense in their homes.

However, even for justifiable acts of self-defense, a claim for monetary damages can be made against you by your assailant or innocent bystanders. You can also be liable for gun-related incidents while hunting, in gun clubs, or shooting at commercial or private ranges.





1. Doesn’t my homeowner’s insurance provide liability coverage for my use of a firearm?

Maybe, most homeowners’ policies provide liability protection for accidental injuries caused by an insured. However, most policies exclude coverage for injuries and damages that are expected or intended. Some insurers provide coverage for reasonable use of force to protect your personal or other persons, but determining what constitutes “reasonable use of force” is left up to your insurer. Courts interpret policy language in very different ways. Some courts interpret the exclusion liberally, while others interpret it literally. It can depend upon the jurisdictions that take a more liberal approach and look at the degree of injury or damage inflicted into consideration and whether the results of the act were expected or intended, not simply whether the act was expected or intended.

Your homeowner’s insurance will not protect you against alleged criminal acts. You will be responsible for funding your criminal defense expenses to defend your freedom.

2. Will my homeowner’s insurance defend me for alleged criminal acts?

No. Criminal acts are excluded from coverage on homeowners’ policies.

3. If my homeowner’s insurance won’t cover me, doesn’t my umbrella?

No. The umbrella policy only adds liability protection when the underlying policy coverage limit has been exhausted. If the underlying policy does not cover the claim, the umbrella won’t either

For more Insurance services, visit  Telemedicine, Term Life, Critical Illness, Disability, Dental, Pet

Log in or sign up Today! To receive full access to our Marketplace

  Sign Up Today! It’s Easy

Disclosure: This website is an independent, advertising-supported comparison service. Offers shown here are from third-party advertisers and valid only in the US. We are not an agent, representative, or broker of any advertiser, and we don’t endorse or recommend any particular offer. Information is provided by the advertiser and is shown without any representation or warranty from us as to its accuracy or applicability. Each offer is subject to the advertiser’s review, approval, and terms. We receive compensation from companies whose offers are shown here, and that may impact how and where offers appear (and in what order). We don’t include all products or offers out there, but we hope what you see will give you some great options.

Comprehensive Benefits of America has carefully vetted vendors in its Marketplace for maximum value for its members. It is the mission of CBA to help you make educated financial decisions to improve your financial wellness. The affiliate compensation or commissions we receive help us pay our administrative expenses and enable us to continue to offer our Marketplace for your benefit.


17W220 22nd St.
Suite 300
Oakbrook Terrace, IL 60181