You are paying for a policy to cover your legal defense and bond if you are arrested for using your gun in a self defense situation. This is fresh on my mind because a couple that we know just had their son convicted today for second degree murder for defending himself. It was in Wake county, NC, where Raleigh is, and as such is a very liberal part of the state.
Just a brief back story, he is former military and had been helping out a fellow former military member who was dealing with some serious PTSD. The guy traveled from Washington state, he was a staying at his house, he lost it and tried to get the guy I knows gun. There was a struggle and he he killed him.