The 3 Best Liability Insurance Plans for Gun Owners and Concealed CarriersGive Zen Like Peace of Mind...
The most popular liability insurance options for gun owners are USCCA, My NRA’s Insurance Carry Guard Insurance and The Second Call Defense.
I will attempt to rank them based on the dollar amount of coverage, affordability, if there is a bail program and if legal representation is provided.
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The first company we will consider- USCCA
It includes up to $1.5 million in civil protection and $250,000 in criminal defense protection. The policies target gaps that homeowners’ policies do not cover. … USCCA‘s policies start at $22 per month, or $247 per year, for $500,000 in civil suit defense and damages coverage and $100,000 in criminal defense protection.
The highest level of coverage costs $47 per month, or $497 per year, for $2 million in civil suit defense and damages coverage and $250,000 in criminal defense protection. The organization currently has about 270,000 individual policy owners.
Will cover knives and other legal weapons up to $2,250,000 in up-front protection. No other insurance product of this type covers knives and other weapons.
Membership includes The Concealed Carry Magazine, which offers tips and gear reviews delivered 8 times per year. Members are a part of a larger community of over 285,000.
You can choose your own attorney or choose one in the vast USCCA network that specializes in firearm and self-defense case law.
Next up, is NRA Carry Guard
The NRA began selling its current line of Carry Guard insurance in 2017. The policies aim to help individuals who use firearms for self-defense cover their legal expenses.
The policies start at $13.95 per month, or $154.95 annually, for $250,000 in civil protection and $50,000 in criminal defense protection.
The highest-level coverage costs $49.95 per month, or $549.95 annually. It includes up to $1.5 million in civil protection and $250,000 in criminal defense protection.
The policies target gaps that homeowners’ policies do not cover. That includes “unexpected procedures and costs associated with proving you acted in self-defense,” the NRA states on its website. There could be costs associated with civil and criminal legal defenses, bail payments, legal retainer fees, and replacement of firearms, among other items.
And last but not least, Second Call Defense
Second Defense Call Defense prides itself as being the only provider that provides four levels of coverage.
The Coverage starts at $9.95 a month.
The Second Defense Criminal Defense Protection coverage allows for $10,000. It provides for immediate cash for bond, $1,000, Immediate Attorney Retainer of $2,000. It allows for a Rapid Response Team: 24/7 Emergency Legal Hotline, Personal Crisis Manager, Nationwide Attorney Network Access, Local Attorney Referral within 24 hours and Emergency Contact Notification. The policy includes training and education, a member newsletter, and self-defense news.
The highest priced and most comprehensive policy is $34.95/ month and provides for Civil Suit Defense Protection of $1,000,000
$250,000 in Civil Suit Damages Protection and $100,000 for Criminal Defense Protection. Financial Support in the amount of $25,000 Immediate Cash for Bond, $10,000 for Immediate Attorney Retainer and aftermath cleanup of $2,000, and compensation while in court $500/day. Members have access to the Rapid Response Team but at this level get Expert Witness Coordination, Gun Retrieval or Replacement, Psychological Support – 40 sessions.
I think all of these products are good, they offer very comprehensive coverage and provide peace of mind to the responsible gun owners and their families. There are other products in this space, but these three are the best of the best and offer the insured the fewest gaps or exposure.
The NRA’s insurance product probably has the most name recognition, but in my opinion is the least comprehensive of the products listed here. Face it, anything having to do with guns, if the NRA affixes their name to—will have a built in following and cachet. The NRA Machine will make this a better product in time. But today, my pick for the best liability insurance product is USCCA. I am a member of the NRA, they have certified me to be an instructor and I continue take their training’s but USCCA is my insurance vehicle. I have researched Second Call, and it looks like a really good program, but it does not have the level of coverage of USCCA.
Not having liability insurance as a concealed carrier– is like playing Russian Roulette with your family’s future!
As I said, I do not think you can go wrong with any of them, but for my money, I wanted the biggest bang for the buck, and in my mind, covering me if I use a knife or other legal weapon to defend myself, goes above and beyond. And for this USCCA is my choice.