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Point to remember... Our legal system is so messed up.. Even though you are found not guilty does not protect you from the ensuing civil liability. In either case, if you have to use your firearm to defend yourself justified or not, your life is changed forever. The insurance plays on the fear that you will go broke defending yourself. I don't fear criminal prosecution but I've heard some CRAZY stories about the civil suits where the family of a criminal that got himself shot sue the shooter for lost income etc. Even if found not guilty of that, you'll have mortgaged your house, drained your account etc. So...what I pay for is LegalShield. Yes they have firearm friendly attorneys but they also provide all those "lawyerly functions" like contract reviews, property documentation etc. I've had them review my liability releases etc. Not a horrible deal if you can use the service.