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In Virginia do the courts hold that Homeowners Insurance policies cover Self Defense situations? That is do the courts hold that there is a S.D. exemption to the standard "intentional injury exclusion" clause of Homeowners insurance contracts?
Apparently this is more of an issue of how the courts find rather than a question of insurance contracts themselves.
The paragraph below is excerpted from http://insurancesolutionsdfw.com/library/homepoliciesdefense.htm
Homeowners liability policies contain a provision that excludes coverage for injury or damage caused intentionally by or at the direction of the insured, often referred to by the courts as the "intentional injury exclusion." The courts of various jurisdictions are equally split as to whether injuries committed in self-defense are intentional and expected and thereby excluded by the intentional injury exclusion in the homeowners liability policy
In Virginia do the courts hold that Homeowners Insurance policies cover Self Defense situations? That is do the courts hold that there is a S.D. exemption to the standard "intentional injury exclusion" clause of Homeowners insurance contracts?
Apparently this is more of an issue of how the courts find rather than a question of insurance contracts themselves.
The paragraph below is excerpted from http://insurancesolutionsdfw.com/library/homepoliciesdefense.htm
Homeowners liability policies contain a provision that excludes coverage for injury or damage caused intentionally by or at the direction of the insured, often referred to by the courts as the "intentional injury exclusion." The courts of various jurisdictions are equally split as to whether injuries committed in self-defense are intentional and expected and thereby excluded by the intentional injury exclusion in the homeowners liability policy