No, this insurance won’t protect you from a bad guy inside your house. What it will do is protect you from the aftermath of a righteous defensive shooting. Imagine this: you’re at home alone, and someone breaks in. It’s dark, but you can see the outline of an individual with a gun. Fearing for your life, you fire on the aggressor and kill him. Later investigation shows that the person wasn’t actually armed, and now the local prosecutor is filing criminal charges against you. You may have been justified, and you may even win the court case, but how will you pay for the hundreds of thousands of dollars it can cost to properly defend a criminal case?