It isn't hard or very costly to get $ 1 million in additional coverage through your homeowners policy. It is just an umbrella rider. These days, if you do own a home and can get a decent deal it is smart to do so if you fly GA aircraft, ride or drive off road, have a business in your home, hold regular parties, have a pool, and yes, even guns. I don't know how much they would clip you for if you don't own a home. That said, yes this is an anti gun pro plaintiff's lawyer measure and should not be required. The auto analogy is right on. It is my personal decision to have the extra coverage. To answer the question about being sued for willfully shooting someone in your home, you bet you can. In a few states there are certain provisions that make it much less likely if it is on your property. But most states you will be sued. If you acted criminally, had no justification for shooting, no insurance will pay. So it doesn't matter that criminals will not have the insurance, the insurance company would not pay anyway. A lawsuit will also follow if a kid or guest in your home accidentally shoots themselves. All this will do is make gun ownership more expensive, and restrictive, and enrich plaintiff lawyers who will now have a $1 million possible pay out rather then homeowners policy limits of say, $220,000.