Lawsuit concerns for gun owners

(WEAU) - Gun owner Bill Candell understands the concern people may have about lawsuits, when it comes to owning a weapon. However, in the heat of the moment, he says it's about the people you love

"The first and foremost part of firing a weapon in your house is the safety of your family, said Bill Candell.

However, one insurance company in Madison is warning people in Wisconsin that if you have to use your gun outside the four walls of your home, you are vulnerable.

"One of the first exclusions in a policy says intentional acts or intentional injuries, they're under the blind assumption, 'Oh I have insurance I am covered,' " said Chris Monge of Affordable Family Insurance, in a phone interview.

Chris Monge with Affordable Family Insurance says you can buy protection.

"We have a strict fire arms liability policy that covers you from dollar one, the limit on it is 250,000,” said Monge.

Defense Attorney Harry Hertel says long before you fire a weapon people should check their policies.

"Any homeowner who intends to utilize deadly force if someone should invade their home at least should double check with the language of their policy,” said attorney Harry Hertel.

NRA Instructor and Attorney Steve Gibbs agrees because he receives questions on this issue.

"A number of people who have taken my courses have asked me am I covered?,” said Steve Gibbs.

While Bill Candell feels reviewing policies are important, it won't be his first move if someone enters his home.

"I feel if I have to pull the trigger on somebody in my house, I've got a lot bigger things I'm going to be covering than calling my homeownership,” said Bill Candell.

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