then they need to call Bones.....she will straighten it out.....Homeowners policies already have blanket liability coverage.
If someone uses your gun to kill someone?
Yes. now go ahead and throw out another unusual, unpredictable scenario..
Here's one....A guy crashes his car into my house. IN his stupor from a severe head injury he gets out of his car and grabs a golf club and swings it at me. He stumbles as he swings and hits his head on the corner of a table, during the swing as he falls I have already fired a bullet which strikes him just as his head hits the table. He is taken to the hospital. The guy dies. They do an autopsy. The ME cannot determine whether the injury from the crash, the head hitting the table or the bullet cause the guy to die.