No one wants to contemplate the unthinkable: home invasion. Thankfully, Texas is one of the states with the “Stand Your Ground Law.” How does Texas homeowners insurance handle the “Stand Your Ground Law?”
In the United States, there are three basic concepts of self-defense: 1. Stand Your Ground, 2. Home Is Your Castle and 3. Run Away. Texas has established the Stand Your Ground doctrine in its Texas Statutes, Penal Code, Title 2, Subchapter C, Section 9.31 Self-Defense:
“… a person is justified in using force against another when and to the degree the actor reasonably believes the force is immediately necessary to protect the actor against the other’s use or attempted use of unlawful force.”
The statute continues by stating that the individual using the force must be dealing with an unlawful use of force by the other party to enter the home, vehicle or business of the individual. The Texas homeowner must not have provoked the person against whom the force was used. There must be an “imminent threat of harm or death” before lethal force can be used. These are the basic conceptions behind the right to self-defense in Texas.
What is the difference between a burglary and a home invasion? In both instances, a criminal will enter a home illegally (trespassing or without the owner’s permission) with the intent to steal valuables. Home invasion is a type of burglary that may also involve rape, kidnapping or assault.
What do authorities advise you to do during a home invasion? The most important goal is to try to protect your family. Former US Secret Service Agent Jim Napolitano states the following: “My ultimate goal should be to protect my family from harm, end of story.” He advises the family to create a “safe room” that has no windows but uses a reinforced heavy-duty steel door with three separate deadbolt locks on it. Call 911 for help.
How does Texas homeowners insurance view burglary and home invasion? Generally, your homeowners insurance policy will treat them the same way. These are actions that could damage your home, belongings or family members. Thus, you are covered.
Does your response to a home invasion effect how your homeowners insurance policy views your claim? Well, the nice thing about the “Stand Your Ground Law” is that it creates a solid threshold for you to uphold your rights. You generally have the right to guarantee your safety and security.
As long as you stay within the boundaries of the self-defense law, your homeowners insurance policy must cover damages. If you are found guilty of a crime, then the homeowners insurance company can claim that you invalidated the coverage. So be careful, protect your home, contents and family while adhering to the law.
Your homeowners insurance is your safety net in times of trouble. No one can predict the future dangers that may befall your Texas community. When you have solid homeowners insurance, you can respond to any criminals safely knowing that you are financially protected.