Every action has an equal and opposite reaction. Just as a bullet leaving the muzzle of a gun creates recoil, making the personal decision to be your own defender brings new challenges to consider. Gun owners liability insurance provides coverage for damages resulting from negligence with a firearm. This means that such a policy would exclusively cover damages from unintentional harm. While this may be a worthwhile investment against such an incident, it doesn’t cover acts of lawful self-defense, which is what many people are looking for when they think of gun insurance.