Best Concealed Carry Insurance

When it comes to choosing the best CCW (concealed carry weapon) insurance, the choices can be quite devastating. Like any other type of insurance out there, such as life coverage, car policy, and property policy, it’s always advisable to evaluate a couple of coverage providers’ offerings prior to concluding on the policy to subscribe to.

Now, if you carry a weapon for self-defense, whether the firearm is kept in your car or concealed on person because you have got a CCW, you certainly recognize the possibility of using the gun to defend your life, the life of your family member, or even the life of a target of violent crime.

Since you’re going through this review regarding the top-rated Concealed Carry Insurance provider, you also perhaps recognize that after using lethal force, even if you fail to fire the gun, you may face a time-consuming and costly legal battle. For this reason, CCW coverage has become an inevitable option for most individuals who carry a gun for self-defense.

Selecting the right CCW policy provider will certainly help cover the fees of a civil or criminal trial. However, you need to be cautious! Not all CCW are equal, and some offer very little in the crucial areas. Besides, most of them aren’t really ‘policies,’ but simple pre-paid coverage.

What is  CCW Insurance?

CCW coverage is the financial protection against potential civil lawsuits or criminal prosecution fees if the victim you shot in self-defense or even their family members decides to prosecute you. We first need to weigh the potential costs of using a gun for self-defense before determining how valuable a CCW coverage is to you.

After using your gun in self-defense, the two primary financial risks are the expenses of defending yourself in a civil trial if you’re sued and/or criminal trial if you’re prosecuted. It’s very much possible to be sued even if you feel you were justified to use your CCW firearm for self-defense. First, the provided evidence may fail to acquit you. Secondly, you may be a victim of an anti-gun prosecutor.

Whatever the case, you’ll truly need some bucks to bail you out of jail. Furthermore, you’ll need to get a criminal defense lawyer’s services, which will likely demand thousands of dollars upfront and much more cash as the case continues. Keep in mind that most criminal defense cases cost upwards of $20,000.

If someone prosecutes you, which can occur with or without a criminal case, the financial expenses can be significantly high due to lawyer’s expenses. Additionally, you may face the risks of a potential verdict against you and then run into the risks of facing several lawsuits concurrently. If you haven’t pictured the image yet, think of the money you may need since it’s likely to lose your income as the trials continue.

Based on the Concealed Carry Insurance service provider you subscribe to, these expenses may all be taken into account. While some policies offer you per diem (personal money per day) to counterbalance the income lost during the court trials, others give you access to a couple of beneficial resources like property repair and counseling.

Is Concealed Carry Insurance Policy Important for You?

Well, a definite answer to this question is a big YES. You need to have CCW coverage. Generally, if you carry a gun for self-defense or for the impression you may need to use it in self-defense, having some type of CCW policy makes sense. Concealed Carry Insurance policy is a minor cost per month as safety against potential substantial expenses later.

I don’t know your risk tolerance, your monthly budget, or whether you’ve millions of dollars resting in the bank account waiting for you should you use a weapon for self-defense. Now, as you make an ultimate decision regarding the importance of CCW policy, it would help if you asked yourself the following simple questions:

• Do you have the financial funds ready should you use the firearm to defend yourself?
• What’s the probability of using the gun for self-defense?
• If you have a family, how will they be affected financially by potential lawsuits?

In my opinion, it’s always advisable to hope for the best but always prepare for the worst. Therefore, if you’re an individual who has a CCW, you can guess that having a policy is unavoidable.

Factors to Consider When looking for CCW Policy

When it comes to a Concealed Carry Insurance, different policies cover different things. Thus, you need to take your precious time to consider precisely what every option provides, and it will fit the least you require to protect you in case of an honest shooting.

While most CCW coverages cover several fees that you’ll probably come across, there’re coverage areas crucial in a perfect plan. Here are some of the factors to consider:

Attorney Fees

Yes, this is the backbone of any Concealed Carry Insurance policy. As a result, here is where you should put a lot of your consideration. Remember, civil and criminal defense isn’t lowly priced, and you may end up paying upward of $100,000 if the case goes to trial. It’s sensible to check if the coverage covers retainer, civil defense and criminal defense and damages.

Coverage Across States

In the US, the coverage laws differ from one state to the other. So, this can be quite problematic if you travel with your weapon. If you travel throughout the country, it will be good to go through all the details about where the coverage covers you.

Bail Bond

Spending a night in a jail cell is not only detrimental but also a miserable experience. You need to get in touch with your lawyer, put your matters in order and earn a living. Well, you cannot accomplish all these activities behind bars. For this reason, you need to subscribe to a Concealed Carry Insurance coverage that offers bail-bond coverage.

Expert Resources

Understanding your rights and the law is one of the finest ways to protect yourself against the legal consequences of a lethal-force situation. Access to well-researched and solid resources on these topics and CCW training is not only priceless, but it also makes you a skillful armed person.

Policy Caps

Regardless of what it covers, insurances comes with caps. Merely put, there’s a specific amount of money it will sort, then you’ll have to sort out the rest. So, if you opt for add-ons from the policy, you may have to pay much more. All in all, while your budget plays a crucial role in determining what you can afford in a CCW plan, it’s essential to avoid undercutting yourself.

Other Aspects to Consider

In other situations, Concealed Carry Insurance coverages go well beyond the legal fees and cover other essentials you may not have well-thought-out. Certainly, you’ll perhaps be on the lookout for:

• Property damage
• Negligent discharge
• Clean up of the crime scene
• Family and spouse self-defense
• Work loss coverage
• Guns replacement
• Personal use of a gun

You’ll realize there are a couple of areas covered by CCW plans worth considering. While most of them fall within the plans, there’re a few that need you to pay extra fees. Undoubtedly, they’ll make a policy costly but are promising, given how fast fees can skyrocket if you’re tangled in a self-defense scenario.

Review of the Best Concealed Carry Insurance Policy

As tricky as it is to rank the best CCW policy provider, we’ve reviewed every provider here with details about their costs and coverage. It’s up to you to determine the best for you according to your demands. If you’re uncertain, go to the official site to see more info. Here, we’ll include conditions about every policy’s monthly fees alongside its respective limits for criminal and civil defense.

USCCA (The United States Concealed Carry Association)

USCCA is an incredible option as it offers fantastic coverage with amazing features. Although the policy is quite expensive, you’ll get fantastic benefits and features, such as an amazing training library, guides, checklist as well as a monthly magazine.

As recommended earlier, we said that you look for payment vs. reimbursement, choice of a lawyer and per diems when looking for the best CCW coverage. Luckily, besides satisfying the must-have features, USCCA offers the highest per diem rates.

Furthermore, USCCA has a large collection of extra features and resources essential to many CCW owners. However, the firm caps its defense coverage amount. USCCA is thus the best option out there if you’re searching for the best all-around CCW policy.

Nevertheless, if the high per diems’ rates and extra features do not matter a lot to you, then you can save a few bucks and even enjoy great legal defense policies from other options.

Pros

• Great training
• Amazing features
• High daily per diem
• You can select your own attorney

Cons

• Capped coverage
• Highest cost

Membership

USCCA offers three membership plans; gold, platinum and elite. Here is what you’ll get from every plan:

Gold Membership

It costs $247 a year or $22 per month.

Legal protection

• Damages protection and civil defense of up to $500,000.
• Attorney retainer, bail bond funding and criminal defense of up to $100,000.
• 24/7- and 365-days access to the critical response team Protection for the use of all legal firearms
• Up-front funding for bail bonds and criminal defense
• You’ll get a preferred criminal defense lawyer

Conceal Carry Magazine

• Digital subscription and complete print
• One-year online access to the back issues

Training

• Live training broadcasts
• Weekly training drills
• Proving ground training online series videos
• A nationwide USCCA specialized instructor network access

Education

• Member-only USCCA application features
• CCW reciprocity map that comes with permit expiration reminders
• Ten lifesaving checklists
• Weekly updates on the changing laws, news and gear reviews
• Fifteen eBooks and digital guides

Community

• Daily free access to USCCA CCW expo
• 24/7 access to the expert member services team
• Community giving program

Benefits

• Carry confidence kit
• Spouse membership discount
• Discounts from the industry partners
• Instant access to the new and inventive training and gear
• Member-only discounts on the USCCA training and gear

Platinum Membership

It costs $347 yearly or $30 per month.

Legal Protection

• Damages protection and civil defense of up to $1,000,000
• Attorney retainer, bail bond funding and criminal defense of up to $150,000
• 24/7- and 365-days access to the critical response team
• Your preferred criminal defense lawyer
• Protection for the use of all legal firearms
• Up-front funding for bail bonds and criminal defense

Conceal Carry Magazine

• Five-year access to the archive back issues
• Digital and print subscription

Training

• Live training broadcasts
• Weekly training drills
• Situational awareness online videos and proving ground training series videos
• A countrywide USCCA qualified instructor network access

Education

• Member-only USCCA application features
• CCW reciprocity map that comprises permit expiration reminders
• Weekly updates on changing laws, news and gear reviews
• 30 eBooks and digital guides
• Ten lifesaving checklists
• Interactive ‘ask a lawyer’ monthly webinar

Community

• A 24/7 access to the proficient member services team
• A community giving program
• Free and advanced entry to the USCCA CCE (CCW expo)

Benefits

• Carry confidence kit
• A discount to the spouse membership account
• Fantastic discounts from the industry’s partners
• Immediate access to new training and gear
• Member-only discounts to USCCA training and gear

Elite Membership

It costs $497 yearly or $47 per month.

Legal Protection

• Damages protection and civil defense of up to $2,000,000
• Attorney retainer, bail bond funding and criminal defense of up to $250,000
• You’ll choose your preferred criminal defense lawyer
• 24/7- and 365-days access to the critical response team
• Protection for the use of any type of firearm
• Up-front funding for bail bonds and criminal defense

Concealed Carry Magazine

• Digital subscription and complete print
• Lifetime access to the archive back issues

Training

• Live training broadcasts
• A countrywide USCCA qualified instructor network access
• Weekly training drills
• eLearning training systems. Here, you get to enjoy emergency first aid essentials and home defense fundamentals
• Situational awareness, proving ground training series and when to utilize the deadly force online video content

Education

• Member-only USCCA application features
• Ten lifesaving checklists
• CCW reciprocity map that comes with permit expiration alerts
• Weekly updates on changing laws, news and gear reviews
• 70 eBooks and digital guides
• Interactive ‘ask a lawyer’ monthly webinar as well as archive access

Community

• 24/7 access to a skilled member services team
• Community giving program
• Free and advanced daily access to USCCA CCW expo and VIP experience.

Benefits

• Carry confidence kit
• Spouse membership discount
• Elite Concierge line
• Discounts from the industry partners
• Member-only discounts on the USCCA training and gear
• Instant access to new training and gear

CCW Safe

CCW Safe is an incredible option if you’re looking for an amazing CCW policy provider. The unlimited and up-front policy for some of the legal fees makes CCW Safe one of the industry’s best coverage providers.

For instance, CCW Safe covers 100% of the following expenses in advance:

• Civil defense
• Criminal defense
• Expert witnesses
• Private investigators
• Administrative defense

While most of you primarily focus on the unlimited civil and criminal defense coverage, it’s important to consider the expert witnesses and private investigators’ cost. Also, you need to consider the bail bond coverage. Fortunately, CCW Safe offers an incredible $500,000, and the best thing is that it’s upgradable to $1 million.

Pros

• You can select your preferred lawyer
• Excellent resources
• Unlimited defense budgets
• You’ve access to the legal ‘Dream Team’

Cons

• Lawyers need to be certified
• Quite costly

Membership Plans

Protector Plan

It costs $14 per month or $149 annually. However, you need to be an active or retired military or law enforcement officer with a CCW permit to be eligible for this policy.

Legal Resources

• 24/7 access to the emergency hotline
• $500,000 bail coverage
• Critical response team on site
• Unlimited expert witnesses’ fees are covered upfront
• Unlimited lawyer costs are covered upfront
• Unlimited investigators fees are covered upfront
• Attorneys vetting by the national trial counsel
• All trial expenses are covered upfront
• Gun replacement during trial
• Expungements and appeals covered
• Up to $3,000 for crime scene clean up
• Kids under 18 and spouse covered in the home only
• Up to ten sessions for a licensed counselor (up to $4,000)

Extras

• $1MM bail coverage $50
• Spouse $100
• $1MM reliable civil liability $220

Defender Plan

It costs $16 per month or $179 yearly. The plan is eligible for anyone with a valid carry permit.

Legal Resources

• $500,000 bail coverage
• A critical response team is always on-site
• 24/7 access to an emergency hotline
• Lawyers vetting by the national trial counsel
• Unlimited expert witnesses’ fees are covered upfront
• Unlimited investigators expenses are covered upfront
• Unlimited lawyer fees are covered upfront
• All trial expenses are covered upfront
• Gun replacement during trial
• Up to ten sessions worth $4,000 for a certified counselor
• Up to $3,000 for a crime scene clean-up
• Expungement and appeals are covered

Extras

• $1MM bail coverage $50
• Spouse $100
• $1MM reliable civil liability $220

ACDLN (Armed Citizens Defense League Network)

ACDLN is offered at an affordable rate. While you’ll not get any per diem from this policy, it offers great Concealed Carry Insurance plans provided the funds remains full. The fact that it offers affordable monthly rates, you can choose your preferred lawyer and has unlimited plans makes it a favorite amongst many CCW holders.

All in all, you cannot compare it to the other two coverages described above. When it comes to their unlimited coverage, ACDLN only covers up to half of the defense costs. Presently, the defense cost is sufficiently high such that it can cover any other fixed amount. However, this may not always be the case!

Pros 

• Low cost
• Unlimited coverage

Cons

• No per diem available
• Coverage is restricted to the defense fund

Membership

The initial first-year membership costs $135 a year, while subsequent renewals cost $95 yearly.

Legal Resources

• Up to $25,000 paid to the member’s lawyer
• You’ll receive a lot of grants
• Case review from the network’s professionals
• Up to $25,000 bailout
• Free access to the network’s expert witnesses
• You’ll also receive a monthly journal

Second Call Defense

Second Call Defense is a budget-friendly plan that meets the best Concealed Carry Insurancepolicy provider criteria. Second Call Defense’s bottommost tier option is typically the least costly among other CCW policy providers out there. It only offers up to $10,000 of civil defense and criminal defense protection.

While the low cost is certainly enticing, it’s essential to opt for the higher and premium tiers. All in all, remember that the limits you get from this provider are the lowest in this review. Regardless of the low coverage amounts, Second Call Defense allows you to choose your preferred lawyer, get per diem during the trial and get money upfront.

Pros

• Affordable
• Great customer support

Cons

• Less value on the lower tiers
• Limited capped coverage

Membership Plans

Basic

It costs $119 yearly or $9.95 per month. In this plan, you’ll get criminal defense protection of up to $10,000. Regarding financial support, the membership policy awards you $1,000 for cash bond and $2,000 for immediate attorney retainer.

What You Get

• Personal crisis manager
• 24/7 access to the emergency legal hotline
• Local lawyer referral within twenty-four hours
• Countrywide lawyer network referral

Education and Training

• Self-defense news
• Member newsletter

Extras

• Spouse $48 yearly

Defender

The plan requires you to pay $179 annually or $14.95 monthly.

What you get

• Civil suit damages protection of up to $50,000
• Criminal defense protection of up to $50,000
• Civil suit defense protection of up to $500,000
• Instant attorney retainer of $5,000
• Instant cash for a bond of $5,000
• An aftermath clean-up of $1,000
• $250 per day compensation while in court
• You’ll also enjoy instant access to the response team

Education and Training

• Self-defense news
• Online training
• Member newsletter

Extras

• Spouse $60

Ultimate

The plan needs you to either pay $399 yearly or $34.95 monthly.

What you get

• Civil defense protection of up to $100,000
• Civil suit damages of up to $250,000
• Civil suit defense protection of up to $1,000,000
• $25,000 instant cash for Bond4
• $10,000 instant attorney retainer
• $2,000 aftermath clean-up
• $500 per day compensation during your trials
• An instant and reliable access to the response team

Education and Training

• Self-defense news
• Online training
• Member newsletter

Extras

• Spouse $80 yearly

US Law Shield

While the US Law Shield comes at an affordable price, the inability to choose your preferred lawyer makes it rank fifth in this review. Certainly, there’re a couple of things you’ll love about this service provider. Besides offering cheap monthly rates, the service provider offers unlimited coverage fees.

Unluckily, you’ll not enjoy per diems. Generally, it’s not advisable to pay a lot of money to a bad lawyer. Regardless of the limitation of the much-needed features, a huge number of Concealed Carry Insurance owners praise this firm. Therefore, it may help you a lot.

Pros

• Unlimited coverage
• Low costs

Cons

• No choice of a lawyer
• No per diem

Membership

It offers two plans; individual and the Two Adult plans. While the individual plan costs $131.40 yearly or $10.95 monthly, the Two Adults cost $240 yearly or $21.90 per month.

What you get

• No cap on the lawyer fees for both civil and criminal defenses
• Non-emergency access to a lawyer-answered emergency hotline
• 24/7 access to the lawyer-answered emergency hotline
• An option to buy expert witness and bail bond add-on coverage

Firearms Legal Protection

Firearms Legal Protection offers you transparent legal services should you use your weapon in self-defense. The company offers several memberships plans to everyone throughout all the states.

Pros

• Uncapped lawyer fees for criminal and civil defense
• Premium plans cater to lost firearms
• Affordable

Cons

• You’ll need to spend a lot to get a countrywide coverage
• It’s currently not available in all the states

Membership Plans

Basic Individual

It costs $139 yearly or $12.95 per month. In this plan, you’ll get the following:

• 24/7 access to the emergency hotline
• Life-threatening risk protection order coverage
• Uncapped lawyer fees for defense for both civil and criminal cases

Premium Individual

The plan costs $239 yearly or $21.95 per month. Here’s what you’ll get from the plan:

• 24/7 access to the emergency hotline
• Lost wages reimbursement
• A bail bond protection of up to $250,000
• Weapon confiscation payment
• Severe risk protection order coverage
• My FLP mobile app
• A fee for incident scene clean-up

Premium Family

The plan costs $399 yearly or $39.95 per month. You’ll enjoy the following benefits:

• 24/7 access to an emergency hotline
• Investigator and expert witness expenses
• Lost wages reimbursement
• Minor kids’ coverage
• A bail bond protection of up to $250,000
• A fee for incident scene clean-up
• Weapon confiscation payment
• My FLP mobile application

Final Words

As you can see, there’re a couple of firms out there who are ready to assist you in the event of an honest self-defense shooting. The only notable thing is they vary in their coverages and features. Certainly, when involved in a self-defense shooting, you must have all the needed resources on your side. Well, here is where choosing the best Concealed Carry Insurance provider comes in handy!