Introduction
For many gun owners, concealed carry is an essential part of personal safety. Whether you’re carrying for protection or simply as a lawful citizen exercising your rights, it’s crucial to be prepared for any unforeseen circumstances. One way to ensure you’re covered in case of a self-defense shooting or other incidents involving your firearm is by investing in concealed carry insurance.
In this article, we’ll explore the top five concealed carry insurance providers and explain why this kind of coverage is so important for responsible gun owners.
What is Concealed Carry Insurance?
Concealed carry insurance is a specialized form of coverage designed to protect gun owners who carry a concealed weapon. It provides both legal and financial protection in the event that a firearm is used in self-defense or an accident. Policies typically include legal defense, liability coverage, and even protection against criminal and civil lawsuits that might arise from a self-defense shooting.
This insurance is vital for anyone who carries a firearm, as it ensures you’ll have access to the necessary legal resources if you ever need to use your gun in a defensive situation.
Why Do You Need Concealed Carry Insurance?
- Legal Defense in the Case of Self-Defense Shootings: If you ever find yourself in a situation where you need to use your firearm for self-defense, concealed carry insurance ensures you have legal protection. Criminal charges can be brought against anyone who uses a gun, even in self-defense, and a legal defense can be expensive and complex.
- Protection Against Civil Lawsuits: Even if you’re not convicted of a crime, you might still face a civil lawsuit. Concealed carry insurance often includes liability protection, helping to cover court costs, legal fees, and any potential settlement costs.
Top 5 Concealed Carry Insurance Providers
- USCCA (U.S. Concealed Carry Association)
The U.S. Concealed Carry Association (USCCA) is one of the most well-known names in concealed carry insurance. Their policies offer excellent legal protection, training resources, and a wide range of membership benefits. USCCA’s coverage includes legal defense costs, expert witness fees, and civil damages protection.
Coverage Options:- Criminal defense protection
- Civil liability coverage
- 24/7 emergency response assistance
Membership Benefits: - Educational resources, including concealed carry training
- Access to a network of legal professionals
- Discounts on firearms and gear
Pricing: Starts around $30 per month, depending on the level of coverage.
- CCW Safe
CCW Safe offers one of the most comprehensive concealed carry insurance policies available. Their focus is on providing legal protection, particularly for those who carry for self-defense purposes. CCW Safe is known for providing coverage for both criminal and civil cases related to firearm use.
Coverage Options:- Criminal defense coverage
- Civil liability coverage
- Bail bond assistance and expert witness fees
Membership Benefits: - No limits on legal defense coverage
- Access to a team of top-tier criminal defense attorneys
Pricing: Pricing starts at approximately $30 a month, with higher-tier plans offering more extensive coverage.
- Self Defense Fund
The Self Defense Fund offers concealed carry insurance with a focus on providing high-quality legal defense. This provider stands out by offering a variety of legal services, including a legal defense fund that can be used for your criminal defense attorney, and coverage for civil lawsuits arising from self-defense shootings.
Coverage Options:- Legal defense fund
- Bail bond assistance
- Coverage for self-defense related criminal and civil cases
Membership Benefits: - Coverage for accidental shootings
- Discounts on firearms and gear
Pricing: Around $25 per month, with options for higher coverage limits.
- Armed Citizens Legal Defense Network
The Armed Citizens Legal Defense Network (ACLDN) is a unique membership-based network that offers support for those who carry concealed firearms. This service offers a robust set of legal protections, including a nationwide network of attorneys specializing in self-defense cases.
Coverage Options:- Legal defense in criminal and civil cases
- Expert witness fees and bail bond assistance
- Access to experienced defense attorneys
Membership Benefits: - Educational resources and training
- Support for both criminal and civil lawsuits
Pricing: Membership fees start at approximately $135 per year.
- Second Call Defense
Second Call Defense is known for offering a comprehensive concealed carry insurance policy with a strong focus on affordable pricing. Their coverage includes both criminal and civil legal defense as well as 24/7 emergency response services.
Coverage Options:- Criminal defense coverage
- Civil liability protection
- Bail bond assistance
Membership Benefits: - Access to legal counsel and emergency hotline
- Discounts on firearms and related products
Pricing: Plans start at about $10 per month.
How to Choose the Right Concealed Carry Insurance
When selecting the best concealed carry insurance for your needs, consider the following factors:
- Coverage Options: Ensure the insurance covers both criminal and civil cases, and offers bail bond assistance and other key protections.
- Pricing: Compare pricing between different providers to find the most cost-effective solution that meets your needs.
- Customer Service: A company with responsive customer service can be invaluable, especially in an emergency situation.
- Reputation: Read reviews and research the reputation of the company, as you’ll want a provider with a strong track record of supporting gun owners.
Cost of Concealed Carry Insurance
The cost of concealed carry insurance depends on several factors, including the level of coverage you select and the insurance provider. On average, you can expect to pay between $10 and $40 per month. Higher-tier plans, which offer more extensive legal protection and additional services, may cost more. Keep in mind that some providers offer annual discounts if you pay upfront.
Benefits of Concealed Carry Insurance
- Legal Protection: Concealed carry insurance ensures you have legal defense if you’re involved in a self-defense shooting or any incident involving your firearm.
- Financial Security: The coverage can help cover court costs, attorney fees, and settlements that may arise from a lawsuit.
- Peace of Mind: Knowing you’re insured can reduce the stress and uncertainty of carrying a firearm, giving you the confidence to protect yourself responsibly.
Common Mistakes to Avoid When Buying Concealed Carry Insurance
- Choosing Minimal Coverage: Ensure that your policy covers both criminal and civil defense adequately.
- Overlooking Policy Limits: Review your policy to understand the coverage limits and ensure they are sufficient to cover potential costs.
- Not Reviewing Policies Regularly: As your needs or circumstances change, it’s important to periodically reassess your concealed carry insurance policy.
Conclusion
Concealed carry insurance is an essential tool for any gun owner who carries a concealed weapon. The top five providers outlined in this article—USCCA, CCW Safe, Self Defense Fund, Armed Citizens Legal Defense Network, and Second Call Defense—each offer strong, reliable protection for concealed carriers. By selecting the right provider and ensuring you have the right coverage, you can have peace of mind knowing you’re protected if an emergency situation arises.