Whenever the government fails to prevent a plane crash, the event is cited as justification for having the government prevent plane crashes. - Harry Browne

The insurance company has a strong motivation to make no promise it can't keep, and to keep every promise it makes. The police have no such motivation, since they are usually immune from any prosecution for failing to protect you. Thus you can't reply on the police (or any other government agency) to protect you. You must depend upon your own ability to repel an attacker.

It's easy to believe that you came into the world with a prearranged program you must follow. After all, long before you arrived, other people figured out how you should live, what laws you should obey, what your obligations are, the whole structure for a 'proper' life… Are you willing to give up the one life you have in order to conform to the way others think you should live?

Government doesn't work, and I want the federal government out of them. The answer always is smaller government. Government forces one choice on everyone. Freedom provides a hundred choices.