Insurance?

[CS1983]

No, cus undoubtedly Rev. Sharpton and the fine folks at the NAACP would have that covered for a poor black guy's family too. Rather, public opinion is less in favor of getting unduly emotional and the criminal trial (if there was one) would be more likely to be in my favor (which is to say, just).

The best outcome would be that people don't do dumb crap which makes them get shot due to inducing fear-for-life in another.

Most parents aren't wealthy enough to afford the sort of legal team you describe though.

ETA: question: dash cams are pretty cheap -- any idea on body cams?

[Shooter45]

I carry a gun every day for work, but no way I'm covered when out of work (even on work is questionable). To me, if I need to draw and pull the trigger there is no doubt that "I'm in a fear of my life or that of others." Great idea to have insurance just like car or home, but it's not worth it to me. Could be my famous last words but the chance most common carriers become engaged is so minimal I just don't find it worthwhile. As mentioned earlier through numerous posts, there are a few very popular companies that provide coverage but I don't find it worthwhile.

[CS1983]

So is there a consensus on the two and which might be better in general?

[Great-Kazoo]

So is there a consensus on the two and which might be better in general?

I'm waiting for my ins agent to get back with actual coverage from a civil suite. I'm covered BUT... she want's the ins co to give her something in writing regarding the wording in our policy. Thankfully the agency has gun friendly staff, who have also been looking at coverage.

[KS63]

US Law Shield member here for a few years. If I go out of state, I just call, say what state I'm visiting and pay $7 for coverage for a whole month. Basically I'm double covered. I can also request info on that states CCW laws that arrives in a packet in the mail. Great stuff.

[Great-Kazoo]

And we are talking about realistically what, a 1 in 100,000 chance this is going to happen

And that 1 chance could cost you everything, especially in today's age of LAW SUE craziness. Throw a gun in to the equation in denver, boulder or other less than gun friendly DA. Myself i'll pay now to avoid unable to afford the bill later.

That 1 chance....... Personally knowing a clean MVR for 40 year driver. Who happen to hit a drunk that wandered out in the street from in front of a camper van. That driver felt the way you do. Why do i need other than basic liability was his belief. His insurance barely covered the amount said drunk was going after.
Today he's a full coverage believer. YMMV.

[KS63]

I think I pay around $120 per year for the coverage. Peace of mind. Take my money.

[Irving]

What if your five rental homes are owned by your LLC?

[whitbaby]

I sat in on a $15, 3-hour US Law Shield infomercial at Bristlecone last year.
They use every scare tactic in the book to get you to sign up...RIGHT THEN!
They did have a good Q&A from the attendees though, and answered most every question directly.
There was a Lakewood cop, an attorney or two presenting all the horror $tories, and a good-ol-boy presenter.

I just signed up with USCCA for $147/yr...their cheapest of three offerings.

[Great-Kazoo]

I sat in on a $15, 3-hour US Law Shield infomercial at Bristlecone last year.
They use every scare tactic in the book to get you to sign up...RIGHT THEN!
They did have a good Q&A from the attendees though, and answered most every question directly.
There was a Lakewood cop, an attorney or two presenting all the horror $tories, and a good-ol-boy presenter.

I just signed up with USCCA for $147/yr...their cheapest of three offerings.

Wow, they charged you? That must have been Bristlecone's fee. Up here they run then at no charge, didn't hard sell, scare tactics etc.