I have seen several threads, wondering about wether or not homeowners insurance will cover your liability and legal defense in the off chance that you have to defend yourself with deadly force.
To set this matter straight the simple answer is no, about 95% of all insurance companies exclude intentional acts from your homeowners liability coverage. Intentional acts, being I was afraid for my life and I acted accordingly. (which is what you should say to the police and DA along with I request legal council) the downside to this is that it doesn't protect you from civil tort (the thugs family will sue the hell out of you).
At this point if you are interested you are asking yourself, so what the hell can I do to defend myself from a lawsuit. I have come up with two options for you,
1) NRA endorsed self defense insurance policy
here in my opinion it seems like a good choice and reasonably priced, however $250,000 and $50,000 is not nearly enough coverage in my opinion if you are going to be sued by the bottom of the barrel of society.
2) I have been doing some additional research into this lately. I am sure some of you have heard of this before, but I have wondered as to wether or not this would actually work. There is a policy called an umbrella policy it attaches to your homeowners and car insurance policies. It provides $1,000,000 worth of additional coverage on top of your other insurance policies. Now this $1,000,000 is provide on top of defense costs (i.e. your insurance company comes in with their way over priced hot shot attorneys and cleans house, because it is their ass on the line not yours). In my opinion an umbrella policy is usually less expensive than option 1 and a little more viable.
Now if you have any questions please feel free to post them in this thread or IM me. (I am a liscensed insurance agent in about 27 states). I will be happy to answer your questions if I can, but I am not offering to sell you insurance. Selling to people you know from the web is not a good idea.
ETA if you don't like my spelling or grammer FOAD