Check you homeowners insurance first. Some cover you, most don't. My Umbrella Policy however does cover me IF I am not guilty. Remember these plans (CCW coverage) are NOT insurance. They still have the right to not cover you if you are guilty. I determined that it was worth it for me to have, to protect what I have, for less than $200 a year. Like someone already posted, your chances of ever using your gun in self defense is very very small. But why risk your life savings for a small amount of cost? At least that was my thinking.