The clean up (the mess) and damages would be covered but not any legal costs associated with an incident (unless it was in the insurance company's best interest to recover damages). We debated it a bit and he made a good point. You might not want your home owners policy covering your legal position. If you are found "at fault" for any part of the damages, the insurer may be able to deny some portion of a claim they may owe you otherwise. There may actually be a conflict of interest. In other words, if a civil suit were to find that you used excessive force in your defense, they may not have to pay for the mess or damages (bullet holes, broken doors, windows, etc.) associated with the incident. They may be motivated to root against you.
It was hypothetical consideration and casual conversation. But it was an interesting angle. With all the changes in laws today, I am not sure how relevant any of this would be.