Homeowners Coverage When the Insured Uses a Gun
The following is a rerun of a blog post that was originally posted on February 7, 2011. It has been revised only to update some of the wording. Unfortunately, it is still timely.Question from a Big I NY member: Our insured has a license to carry a gun. When being confronted by an attempted robbery, he uses the gun but the shot hits a bystander. I do not see where an exclusion would apply in this case as it was not expected or intended. Do you agree that his liability insurance would defend him in this situation? Even if the shot hits the robber, I would think coverage…