Every time that these kinds of discussions come up they seem like the
"what ifs" carried to absurdity. Given the fact that the vast majority of
law abiding gun owners will never be involved in a SD shooting in their
life time and if they are and it's justified SD no charges will be filed.
If you shoot someone and it's not SD how is your insurance going to
protect you from the criminal charges from that? The odds against
being in a justified SD scenario and being charged somehow and your
insurance actually having to exonerate you would seem to add up to
somewhat greater than winning the Powerball jackpot. Money spent
on lottery tickets would seem to be a better investment than SD
insurance to me.