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No one does you won’t need it it won’t hold up in court.
You got to be kidding? You won't need it???? Shoot the wrong guy under the wrong conditions and kiss everything you ever worked for good by. You are playing against a stacked deck, its by design. If you have a homeowners insurance policy you are covered by its limitations worldwide for personal protection or that of others. If you feel you need more coverage, purchase an umbrella policy.
 
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