Introduction to Concealed Carry Insurance
Concealed carry insurance is an essential consideration for those who carry a firearm for personal protection. This specialized type of insurance provides financial protection in the event that you use your firearm in self-defense. Whether you’re involved in a defensive shooting incident, face legal charges, or need to cover legal expenses, concealed carry insurance can offer invaluable support during a highly stressful situation.
However, choosing the best concealed carry insurance can be challenging with so many options available. In this guide, we’ll explore the top providers of concealed carry insurance, compare their features, and help you make an informed decision based on your specific needs.
What is Concealed Carry Insurance?
Concealed carry insurance is a type of liability insurance designed for individuals who carry a concealed firearm for self-defense. If you ever need to use your weapon in a legitimate self-defense situation, concealed carry insurance provides coverage for:
- Legal Defense: It covers the costs of hiring an attorney to represent you in court.
- Criminal Defense: Some policies provide coverage for criminal charges stemming from a self-defense shooting.
- Civil Defense: If you’re sued by the other party involved in the incident, the insurance can help pay for legal fees and settlements.
- Bail: Some policies offer bail bond assistance if you’re arrested after a self-defense shooting.
With the right policy, concealed carry insurance can offer peace of mind, knowing you have financial protection if the need ever arises.
Top Providers of Concealed Carry Insurance
1. USCCA (United States Concealed Carry Association)
The USCCA is one of the most well-known names in the concealed carry insurance industry. The organization offers comprehensive self-defense coverage, along with extensive training resources, making it a popular choice among responsible gun owners.
Key Benefits:
- Legal Protection: USCCA offers up to $2,000,000 in coverage for legal defense costs, including criminal and civil defense.
- Training Resources: Members have access to a wealth of educational materials, including video lessons, blogs, and online courses that help gun owners better understand their rights and responsibilities.
- Emergency Cash: If you’re involved in a self-defense incident, the USCCA provides up to $10,000 for immediate expenses such as bail, attorney fees, or travel costs.
- 24/7 Legal and Expert Support: USCCA offers round-the-clock support from lawyers and experts to guide you through any legal challenges.
Drawbacks:
- Premium Cost: The coverage can be a bit more expensive compared to some other providers, depending on the level of protection you select.
2. CCW Safe
CCW Safe is another leading provider of concealed carry insurance, particularly popular among law enforcement and military personnel. The company is known for its unique approach to coverage, providing broad protections and a focus on criminal defense.
Key Benefits:
- Unlimited Legal Defense: CCW Safe offers unlimited legal defense in criminal and civil cases, which is rare in the concealed carry insurance industry.
- Expert Legal Team: Members gain access to top criminal defense attorneys and expert witnesses who specialize in firearms-related legal cases.
- Immediate Bail Coverage: The company offers immediate bail bond coverage and travel expenses for members involved in a self-defense situation.
- No Retainer Fees: Members do not have to pay retainer fees or out-of-pocket expenses up front—CCW Safe covers it all.
Drawbacks:
- Less Training Support: While CCW Safe excels in legal coverage, they do not provide as many training resources as some competitors like USCCA.
3. NRA Carry Guard
The National Rifle Association (NRA) is well-known for its advocacy of gun rights and concealed carry. Their Carry Guard program offers concealed carry insurance with an emphasis on legal defense and firearm safety education.
Key Benefits:
- Legal and Criminal Defense: NRA Carry Guard offers significant protection with coverage for criminal defense up to $1 million and civil defense.
- Specialized Coverage: In addition to the standard insurance protections, NRA Carry Guard offers additional services like incident investigation, consultation, and training courses.
- Gun Safety Training: As an NRA member, you also have access to training and certification courses to improve your skills and knowledge about carrying a concealed weapon safely.
Drawbacks:
- Cost: Like USCCA, the NRA Carry Guard program tends to be on the more expensive side, especially for higher coverage levels.
- Limited Coverage Options: Some members have found that the coverage is less flexible than some alternatives, particularly for those looking for more customized protection.
4. Self-Defense Shield (SDS)
Self-Defense Shield (SDS) is an affordable option for concealed carriers who want comprehensive coverage without a high monthly premium. They are known for providing excellent criminal defense coverage and a fast response time.
Key Benefits:
- Affordable Plans: SDS offers some of the most affordable plans in the industry, with options starting at around $10 per month.
- Comprehensive Coverage: SDS covers legal defense for both criminal and civil cases, as well as access to bail bond assistance and 24/7 legal support.
- High Liability Limits: The company provides up to $1,000,000 in civil and criminal defense coverage.
Drawbacks:
- Limited Training Support: Unlike some competitors, SDS does not offer extensive firearm safety or self-defense training resources.
- Less Comprehensive Coverage: While SDS is a great option for those on a budget, their coverage limits and benefits may not be as expansive as other premium providers.
5. Armed Citizens Legal Defense Network
The Armed Citizens Legal Defense Network (ACLDN) is a specialized organization offering legal support for those involved in a self-defense shooting. This group focuses heavily on the legal aspects of concealed carry and provides detailed guidance and support.
Key Benefits:
- Expert Legal Guidance: ACLDN connects members with top-tier legal experts, criminal defense attorneys, and expert witnesses.
- No Fees for Defense: Like CCW Safe, ACLDN covers all costs for legal defense, including expert testimony and case expenses.
- Wide Network of Support: The network provides assistance with everything from criminal defense to media coverage, should you need help navigating public attention.
Drawbacks:
- Limited Insurance: Unlike some other providers, ACLDN does not offer the same level of financial insurance protection (e.g., for bail or medical costs) and focuses mainly on legal defense.
Key Factors to Consider When Choosing Concealed Carry Insurance
Choosing the best concealed carry insurance for your needs involves considering a few key factors:
1. Level of Legal Coverage
Some providers offer more comprehensive coverage for both criminal and civil defense, while others might only cover criminal defense or offer limited civil protections. Consider what type of legal protection you may need.
2. Training and Education
Look for an insurance provider that offers training resources to improve your skills and knowledge. Some companies like USCCA and NRA Carry Guard provide extensive training materials, while others focus primarily on insurance coverage.
3. Premiums and Costs
Prices vary significantly between providers, with some offering affordable basic plans and others offering high-end coverage at a premium price. Be sure to balance the cost of premiums with the level of protection offered.
4. Immediate Assistance
In stressful situations, the availability of immediate legal support and financial assistance (like bail bonds) can be a crucial factor. Providers like CCW Safe and USCCA are known for offering quick support when you need it most.
Frequently Asked Questions (FAQs)
1. Do I Need Concealed Carry Insurance if I Have Regular Insurance?
Regular insurance policies typically do not cover self-defense incidents involving firearms. Concealed carry insurance specifically covers the legal and financial costs associated with self-defense shootings.
2. How Much Does Concealed Carry Insurance Cost?
The cost of concealed carry insurance varies depending on the provider and level of coverage. It can range from as low as $10 to $20 per month for basic plans, to $50 or more per month for comprehensive coverage.
3. Does Concealed Carry Insurance Cover Criminal Charges?
Yes, most concealed carry insurance providers offer coverage for criminal defense costs in the event that you face charges after using your firearm in self-defense.
4. Can I Add Concealed Carry Insurance to My Existing Policy?
No, concealed carry insurance is a separate policy. It is designed specifically to cover self-defense incidents involving firearms and is not typically included in standard home or auto insurance policies.
5. Is Training Included with Concealed Carry Insurance?
Some providers, such as USCCA and NRA Carry Guard, offer training resources as part of their membership. However, not all providers include training, so be sure to check the details of your policy.
Conclusion
Choosing the best concealed carry insurance depends on your individual needs, preferences, and budget. Providers like USCCA, CCW Safe, and NRA Carry Guard stand out for their comprehensive coverage, training resources, and legal defense options. However, there are also affordable options like Self-Defense Shield and Armed Citizens Legal Defense Network that offer great value for budget-conscious concealed carriers.