Shielding you, your family, and your rights

Maybe, most homeowners policies provide liability protection for accidental injuries caused by an insured. However, most policies exclude coverage for injuries and damages that are expected or intended. Some insurers provide coverage for reasonable use of force to protect your person or other persons, but determining what constitutes “reasonable use of force” is left up to your insurer. Courts interpret policy language in very different ways. Some courts interpret the exclusion liberally, while others interpret it literally. It can depend upon the jurisdictions that take a more liberal approach and look at the degree of injury or damage inflicted into consideration and whether the results of the act were expected or intended, not simply whether the act was expected or intended.

Your homeowners insurance will not protect you against alleged criminal acts. You will be responsible for funding your own criminal defense expenses to protect your freedom.

No. Criminal acts are excluded from coverage on homeowners policies.

No. The umbrella policy only adds additional amounts of liability protection when the underlying policy coverage limit has been exhausted. If the underlying policy does not cover the claim the umbrella won’t either.

We are an Independent Insurance Agency that exclusively markets Firearm Liability coverage to all responsible gun owners. Including tailored coverages for Active and Retired Law Enforcement Officers.

SPRISKA is an Illinois domestic insurance company, licensed to engage in the business of insurance in Arizona, Illinois. Indiana, Iowa, Kentucky, Missouri, Nevada, Ohio, and Wisconsin.