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The answer is that homeowner's insurance covers negligent and not intentional acts. Simply winning a case isn't any good if you cannot collect the judgment. That's why the Plaintiff's lawyer pleaded negiigence; so he might be able to collect from the insurance company.
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This is EXACTLY why it's so important to be sure no one can support a claim that you may have fired your gun accidentally in a self-defense situation.
If such a claim can be supported that means your homeowner's insurance policy will pay and the insurance company has deep enough pockets to make it worthwhile.