Washington State has also banned the sale of the NRA self-defense policies. The Washington department says the policies are illegal because they are insuring unlawful activity. The policies were being underwritten by Illinois Union Insurance Company, and were sold by Lockton Affinity on behalf of the NRA. The Insurance department is fining Illinois Union $102,000 for selling the illegal policies and fining Lockton $74,000. The companies have until February 14, 2019 to respond to the department by requesting a hearing or agreeing to pay the fines. As in California, the NRA is alleged to have solicited the policies without having an insurance license, which violates state law. The NRA has modified its website in order to address the department's concerns. New Jersey is yet another insurance department looking into the NRA's insurance policy. The insurance department reviewed the findings of the New York insurance department and began its own investigation into how the product was being advertised and sold. The NRA program is not the only one being investigated by New Jersey; the department is investigating other providers as well to ensure state regulations are being followed. No press releases have been issued regarding this topic since August 2018.

To date these are the only departments we are aware of that are investigating the NRA's Carry Guard insurance. Whether more states will review the situation remains to be seen. Those calling for liability coverage for gun owners overlook or are unaware of the difficulties in providing such coverage.

As stated above, intentional harm is uninsurable; the homeowners policy specifically excludes expended or intended injury by an insured. The only exception is the use of reasonable force to protect persons or property. There is no definition of reasonable force, so it is left to interpretation. Is it reasonable for an insured to shoot an unidentified person out in the backyard at night? Should the insured have tried to determine who the individual was? What if the insured is showing a new gun to a friend and accidentally shoots the friend? While handling a gun can be considered a dangerous activity, and the risk of injury could be considered expected in some views, the injury in this situation is not intentional so coverage might be provided.

The issues surrounding gun ownership are many and difficult. While insurance has been suggested as a possible solution, the fact that intentional harm cannot be insured negates that thought. While it seems to make sense, the reality is more complicated. If a policy was developed, any insurance policy must be approved by the state insurance departments and those selling the coverage must adhere to state regulations.