First, welcome to the site.
This topic has come up before. Yes, if you use your weapon in self defense, there is a chance that you will have to go to court. Insurance is a good idea. Even if you don't opt for insurance, find a good gun-friendly lawyer and make his acquaintance. Find out if they will represent you if needed. Once you have located such a lawyer, put them on speed dial so their number is easy to find.