For those who carry concealed weapons for personal protection, having the right concealed carry insurance is essential. It provides legal defense, financial protection, and peace of mind in case you are involved in a self-defense incident. While concealed carry insurance isn’t legally required, it is a valuable safeguard, especially considering the potential legal and financial consequences of using a firearm in a defensive situation.
In this article, we’ll explore the top 5 concealed carry insurance providers, highlighting their offerings, benefits, and coverage features. Let’s take a closer look at each one.
1. USCCA (United States Concealed Carry Association)
Overview
The USCCA is one of the most well-known providers of concealed carry insurance. It offers comprehensive protection for gun owners, including coverage for legal defense, criminal and civil costs, and access to training and education resources.
Key Features
- Legal Defense: Covers criminal defense, civil lawsuits, and legal fees if you are involved in a self-defense shooting.
- 24/7 Critical Response Team: Access to expert legal professionals anytime you need them, ensuring support in emergencies.
- Self-Defense Shield: Coverage includes bail bonds, lost wages, and additional expenses incurred after a self-defense incident.
- Training: The USCCA offers extensive training resources to ensure you are well-prepared for legal and tactical situations.
- Family Coverage: Coverage can extend to your spouse and children if they’re involved in an incident.
Membership Tiers
USCCA offers three membership levels: Gold, Platinum, and Elite, each with varying levels of coverage and benefits. Prices range from $22 to $47 per month, depending on the plan.
Why Choose USCCA?
- Comprehensive coverage: Offers broad coverage, from legal defense to emergency medical expenses.
- Great educational resources: USCCA is known for its robust training programs for both new and experienced gun owners.
2. CCW Safe
Overview
CCW Safe provides some of the most extensive concealed carry insurance plans available. Their coverage includes legal fees, criminal and civil defense, and expert consultation. What sets CCW Safe apart is its focus on high-quality, experienced legal teams.
Key Features
- Legal Representation: Covers unlimited criminal defense legal fees and expert consultations for both criminal and civil cases.
- Bail Bonds: Offers bail bond coverage in case you’re arrested after a self-defense incident.
- Psychological Support: Covers counseling services to help you and your family deal with the emotional toll of a shooting.
- Firearm Protection: Offers up to $2,000 for the replacement of your firearm if it is seized by law enforcement.
- Family Coverage: Spouses and children are covered under most plans, which is important for families that carry firearms for protection.
Membership Tiers
CCW Safe offers three different membership plans: Standard, Premium, and VIP, which range from $24.99 to $49.99 per month.
Why Choose CCW Safe?
- Unlimited defense: No cap on legal defense fees, ensuring comprehensive protection in the event of a self-defense shooting.
- Expert Legal Team: The company employs top-tier legal experts, giving you peace of mind knowing that your case will be handled by professionals.
3. Second Call Defense
Overview
Second Call Defense offers affordable and reliable concealed carry insurance, emphasizing legal defense after self-defense incidents. It’s an excellent choice for those who want a straightforward policy with no hidden costs.
Key Features
- Legal Defense: Coverage includes criminal defense, civil suits, and up to $1 million in coverage for both criminal and civil defense.
- Emergency Response: Provides 24/7 emergency legal assistance, including access to a critical response team.
- Bail Bonds: Up to $25,000 in bail bonds to help you after a self-defense incident.
- Lost Wages: Coverage for lost wages while you are attending legal proceedings.
- Family Protection: Coverage extends to your spouse and children, ensuring family members are also protected if involved in a defensive shooting.
Membership Tiers
Second Call Defense has four membership levels: Basic, Plus, Premium, and Elite, with prices ranging from $10 to $30 per month.
Why Choose Second Call Defense?
- Affordable coverage: One of the more affordable options for concealed carry insurance, with plans starting at just $10/month.
- Simple, easy-to-understand plans: Offers straightforward coverage with no complicated terms or exclusions.
4. NRA Carry Guard
Overview
The National Rifle Association (NRA) offers Carry Guard, a concealed carry insurance program that focuses on legal protection after a self-defense shooting. It combines legal defense with gun ownership education.
Key Features
- Legal Protection: Covers criminal defense costs, civil liability defense, and legal fees for up to $1 million.
- Emergency Hotline: 24/7 legal assistance in case of a self-defense incident.
- Firearm Replacement: Offers coverage for replacing your firearm if it’s taken by law enforcement after an incident.
- Training: The NRA provides access to firearm training courses to help you handle and use firearms responsibly.
- Family Coverage: Family members are covered under the policy, extending protection beyond the policyholder.
Membership Tiers
NRA Carry Guard has three levels: Gold, Silver, and Bronze, ranging in price from $13.99 to $49.99 per month.
Why Choose NRA Carry Guard?
- NRA backing: The NRA is one of the most trusted names in gun advocacy and safety, providing credibility to its Carry Guard program.
- Training benefits: As a member, you gain access to a wide variety of educational resources and firearm safety courses.
5. Lockton Affinity
Overview
Lockton Affinity is a concealed carry insurance provider that offers robust protection for gun owners at competitive rates. The company is known for its well-structured plans and solid customer service.
Key Features
- Comprehensive Coverage: Covers criminal defense, civil defense, and personal injury claims related to self-defense shootings.
- $1 Million in Legal Defense: Offers up to $1 million in legal defense costs, including coverage for expert witnesses and private investigations.
- Bail Bonds: Provides coverage for bail up to $25,000 to ensure quick release after an arrest.
- Lost Wages: If you miss work due to a legal case, Lockton covers lost wages up to a certain limit.
- Family Protection: Spouses and dependents are included in the coverage, ensuring peace of mind for your entire family.
Membership Tiers
Lockton Affinity offers customizable insurance plans based on the individual’s needs. Prices can range from $11 to $40 per month, depending on the level of coverage selected.
Why Choose Lockton Affinity?
- Competitive pricing: Lockton offers affordable coverage options with strong protection, making it ideal for those looking for value.
- Customizable plans: Members can choose their coverage levels to meet their unique needs.
Conclusion
Choosing the right concealed carry insurance is crucial for anyone who carries a firearm for self-defense. Each of the top providers listed here offers unique benefits, including legal defense, financial protection, and peace of mind. Whether you’re looking for comprehensive coverage with access to legal experts, affordable plans, or additional perks like firearm training, one of these options is sure to meet your needs.
When selecting a provider, consider your specific requirements, budget, and the level of coverage you want. Concealed carry insurance can be a lifesaver when you need it most—protecting both your financial and personal well-being.