Conceal & Carry Insurance Dallas TX
Having a concealed handgun license and hunting weapon ownership comes with a lot of responsibility and risks. Firearms are meant to protect but sometimes they can go off unintentionally and cause damage to someone. Do you know if your policy has coverage for unintentional acts or intentional acts in the event of protecting yourself or your family? Fortunately, Swingle Collins specializes in Conceal & Carry Insurance in Dallas, TX.
ides liability insurance in case you are responsible for injuring someone or for damaging property belonging to others. If you are sued, the policy will pay the costs of hiring an attorney to defend you. If you are determined to be legally responsible for the injury or damage, the policy will pay the amount needed to settle the claim against you, subject to the limit of liability you purchased and shown on the information page of your policy.
However, the liability coverage on your homeowners policy comes with a number of exceptions (called “exclusions”). One exception precludes coverage for liability arising from an intentional act, such as shooting someone, even if the shooting is considered justified in the eyes of the law.
On the other hand, homeowners policies sold by many insurance companies contain an exception to the intentional acts exclusion. This exception says the exclusion does not apply to injury or damage resulting from “the use of reasonable force…to protect persons or property.” You should read your policy or ask your agent to determine if this exception is found in your policy.
You should not necessarily rest easy if your policy contains the “reasonable force” exception, because what may be “reasonable” to you may not be “reasonable” to the insurance company or to a judge or jury should the matter end up in court.
You may want to consider purchasing a special insurance policy designed for concealed weapon licensees and gun owners. Your Swingle Collins & Associates agent can walk you through the process of properly insuring any and all gun collections you may possess.
Swingle Collins specializes in Conceal & Carry Insurance Dallas TX, Southlake, Highland Park, and Plano. The descriptions of coverage listed on this website are brief and subject to the provisions, limitations, and exclusions that can only be expressed in your policy and related endorsements. For additional information of how Swingle, Collins & Associates can assist in meeting your coverage needs for property and casualty insurance please contact your dedicated risk manager to discuss the benefits and services of personal homeowners insurance coverage.
The information contained on this page is provided for informational and educational purposes only. It contains general information on insurance issues and may not reflect the most current developments in insurance coverage and is unlikely to apply in all factual scenarios. The information does not include all the terms, coverage, exclusions, limitations or conditions that may be contained in the actual insurance contract language. The policies themselves must be read for those details. Sample policy forms will be made available upon reasonable request.