While most Americans have probably not read the Constitution or the Bill of Rights, most are familiar with certain sections, such as freedom of speech, freedom of the press, and the right to bear arms.

Americans love their guns and are proud to own and carry them. Estimates indicate that there are roughly 300 million guns owned by Americans. Many states have “shoot first” or “stand your ground” laws, allowing someone legally carrying a firearm to shoot first and ask questions later if they fear for their lives. What happens next though?

An individual legally carrying a weapon who shoots someone, even in self-defense, may very well be arrested and have to appear in court, and may even face criminal charges. The homeowners policy provides a defense if the insured is legally liable but will not defend criminal charges, nor do most carriers have special advisory teams to advise the insured on what to do once arrested.