The thing with CCW insurance, you never know when you are going to need it. Some insurance you can live without and everything is just fine and dandy. Why self defense CCW insurance? If you have to use your gun in a defense situation, there is a chance you will be charged with murder if the evidence is not clear cut. A jury could decide if you get to go home with your family or spend the rest of your life in prison. Money for a good lawyer could save your life!
After the criminal trial there could be another trial that follows. This could be a civil liability suit from the scumbags family members. Even though you may be justified in the shooting actions you took, the cost to defend yourself could push you to bankruptcy and you could loose your home. At this time in your life, low cost firearms self defense CCW insurance may be the best investment you ever made.