Good advice. Get insurance, carry, get educated, and take care of yourself and family. You do it for your home, car, health, for you and family’s sake take care of you.
Avoid a bad situation, retreat if you can, there’s only one winner in a gun fight. You have to be that one.
I guess the issue would be who would provide the insurance? If you have a policy and your actions are deemed criminal (solely for political purposes), than is the insurance provider off the hook for payment?
I couldn’t imagine how statisticians could arrive at rates for this; it is different than insuring a property with a set replacement value. The loss could be massive.