If foreign troops invade and occupy your home, and you fight back, you are not an "insurgent".
"Rules of war" is a ridiculous concept. "War" is all about breaking the rules: killing, stealing, destroying; you know, the things you instinctively understand as "wrong". Obviously, an attacking force doesn't care about following rules of morality, otherwise they would not be invading and killing. And make no mistake, the defenders are under no moral obligation to "respond appropriately" to people who are trying to kill them and destroy their property. Once you invade another country, to demand that your victims play by rules that benefit you is insane.
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