Yes, the policy is available to both active duty and retired law enforcement officers.

Coverage is offered to residents in the following five states: Illinois, Indiana, Iowa, Arizona, and Ohio.  

Yes, coverage under the policy extends to cover insureds in all 50 states as long as the firearm is legally possessed.    

Homeowners insurance policies only provide civil liability protection for accidental injuries caused by an “occurrence”.  Most policies define“occurrences” as accidents which result in bodily injury or property damage.  Acts of self-defense may not qualify as an “occurrence” as defined under your homeowners’ policy because they are considered intentional acts, and not accidents.  Some insurers provide exceptions for the use of “reasonable” force to protect persons or property.  However, what constitutes “reasonable force”is left up to interpretation by the adjuster for the insurance company.

No, your homeowners policy will never pay for any criminal defense costs or expenses.  

The Law Enforcement Family Firearm policy was developed at the request of law enforcement association leadership.  Those leaders expressed to SPRISKA that they had been  receiving feedback from their members expressing their concerns over the lack of  consistent clarity regarding the availability of coverage to respond to situations that might be considered outside the scope of their employment, or other factors beyond their control that might influence a decision to afford, or not afford coverage to them.