I won’t defend property. Want my car? Go ahead, it’s insured. Endanger my family- different story.Also IIRC you may defend your property, I think over $500.
Getting clear of the legal side safely, I'm not sure this gives you a pass in civil court, which I personally thing is a joke. If you have to shoot someone in self defense or even defense of property and it's ruled justified you shouldn't have to worry about a civil suit.