[Z-man]

For my 'stuff' I have insurance from State Farm - their home owner's policy. If my stuff is damaged, stolen...etc. they take care of it.

For my life, I have insurance from H&K - their 9mm policy. If my life threatened, that takes care of it.

In my home, the line between what insurance covers what can easily be blurred.

That doesn't mean I welcome perps to take my stuff - who are they to take for free what I worked hard for?

For me, the bottom line is this: If someone unwelcome enters my home, and I have clearly stated the situation to them (Get OUT - I have a gun!) and they continue towards me, and I fear for my life, then I can assume they are after more than just stuff. That's when the second insurance kicks in...

I think the two homeowners in the OP's story got their insurance policies confused...

-Z-man.