The odds of my home being victim to some sort of armed incursion are laughably small. And I am not sufficiently stupid to risk my life defending insured property.
It's not the odds, it's the stakes. And it's less about defending insured property than defending your life. Just a few blocks from my mother's house someone entered the home of an elderly lady and killed her, then took her property. I can list many other stories close to me, including the young pregnant wife of my coworker, kidnapped, forced to get money from the ATM, then killed and her body dumped over a bridge into a river. THAT funeral was a heartbreaker. By the way, she was white, they were black, but that doesn't make me hate all blacks or go riot in the streets. It does alert me to the level of hatred from SOME blacks toward whites, but I don't discriminate; I'm equally alert to white threats. My brother was approached alone in a dark parking lot by men (white) who began to flank him with obvious ill intent. He let the breeze blow open his jacket to reveal his pistol, and they stopped, backed off and left. So you don't even need to USE a gun for it to save you. You don't even need to show it, hell, you don't even need to own one for gun rights to be protecting you. In areas where gun carry is legal your chance of being a victim is greatly reduced. You're welcome.
I can't tell you the exact odds of my ever needing a gun, but it's simple and easy enough insurance to have. If it ever happens, I am ready, and I will live to enjoy my grandchildren.