While it’s a personal choice whether or not to carry a firearm, it’s essential to understand the potential legal and financial consequences of using it in self-defense.
Most people believe that their homeowner’s insurance plans always cover accidents involving their guns. However, this is not always the case.
For this reason, it is recommended that every gun owner should have concealed carry insurance. This insurance provides legal protection and peace of mind after a self-defense incident.
But with so many options on the market, it can be tough to determine which concealed carry insurance is the best fit for you.
That’s why we’ve researched and compiled everything you need to know about the best concealed carry insurance options even if they are 3d printed.
What Is Concealed Carry Insurance?
Concealed carry insurance, or firearm liability insurance, is designed to provide legal and financial protection to individuals who carry firearms for self-defense.
This insurance typically covers the costs of a legal defense if the policyholder uses their firearm in self-defense and is charged with a crime or sued in civil court.
It may also cover the costs of bail, expert witnesses, and other legal expenses related to a self-defense incident.
What Does Concealed Carry Insurance Cover?
Depending on the concealed carry insurance policy you choose, these are some things the insurance will cover in case of a self-defense accident.
Legal defense costs
If you use your firearm in self-defense, your concealed carry insurance policy may cover legal defense costs, including hiring an attorney, court fees, and expert witnesses.
Civil liability
You may face a civil lawsuit if you injure or kill someone in self-defense. Concealed carry insurance may cover the costs of defending yourself in such a lawsuit.
Criminal defense costs
Suppose you are charged with a crime related to using a firearm in self-defense. In that case, your concealed carry insurance can take care of all legal defense costs, including hiring an attorney, court fees, and expert witnesses.
Bail bond
Concealed carry insurance may cover the costs if you are arrested and must post bail.
Counseling and therapy
Depending on your chosen package, some concealed carry insurances include counseling and therapy sessions for you and your family.
Training courses
Many insurance companies offer training sessions and educational classes that are very useful. Also, you can check some reviews on online concealed carry permit classes that will give you an insight into your possibilities.
Before you purchase a concealed carry insurance policy, it’s important to review the terms and conditions carefully and see if they meet your expectations, needs, and budget.
5 of the Best Concealed Carry Insurance Companies
USCCA Insurance
Although the United States Concealed Carry Association (USCCA) has the most expensive monthly fee, members receive incredible features and perks. For example, access to an online training library, checklist, manuals, and even a monthly concealed carry magazine.
This insurance company has no substitute for in-person instruction. USCCA has a vast library of seminars and training films that can be a great addition to your education. This is especially beneficial for people with no experience in concealed carry or self-defense.
There are three membership tiers offered by USCCA: Gold, Platinum, and Elite, with prices starting at $29 a month. Also, each of the three programs has a yearly cost that is less expensive than a monthly fee.
Pros
- Great and thorough training
- High daily per diem
- You can choose your lawyer
Cons
- Expensive
- You might have to pay everything back to the insurance company
Additional information
| Website | usconcealedcarry.com |
| Monthly Cost | $29-$49 |
| Criminal Defense Max | Unlimited |
| Civil Defense Max | Unlimited |
| Civil Damages Max | $2 million |
| Bail Bond | Up to $100,000 |
| Compensation While in Court | $750 per day |
If you are wondering which is the best concealed carry insurance, Right to Bear is one of the options you might consider. Some of the biggest differences between Right to Bear’s concealed carry insurance from the competitors is that they will not try to recoup costs from you.
Instead, they offer unlimited civil defense protection and additional coverage for associate defense, minor children, and multi-state defense.
Along with the price, you’ll have access to training and educational resources, including self-defense classes, a quarterly firearms newsletter, a 24/h hotline, and firearm safety courses.
Their expert testimony coverage offers the services of an “expert witness” who can testify in your favor. Plus, you can take advantage of their psychological support package that includes counseling sessions to address the stress or trauma resulting from a self-defense situation.
Pros
- Affordable
- Unlimited coverage
- You can choose your attorney
- Optional add-ons
Cons
- No per diem coverage
Additional information
| Website | protectwithbear.com |
| Monthly Cost | $11-$51 |
| Criminal Defense Max | Unlimited |
| Civil Defence Max | Unlimited |
| Civil Damages Max | Unlimited |
| Bail Bond | Up to $100,000 |
| Compensation While in Court | None |
CCW Safe offers unlimited defense budgets, you can choose your attorney, good resources, and more.
CCW Safe is a renowned insurance company covering 47 states and Washington, DC. They offer three types of memberships: Defender, Ultimate, and Constitutional carry plans. They all differ by price and offers.
CCW Safe will provide up to $500,000 in bail bond coverage if you are arrested for a self-defense shooting. Also, they have counseling and support services available to you and your family in the aftermath of a self-defense shooting.
Additionally, CCW Safe will provide you with extensive training and educational resources to help you improve your skills and knowledge related to self-defense.
Pros
- Unlimited defense budgets
- You can choose your attorney
- Good resources
- Different plans by everyone’s budget
Cons
- They must approve your attorney
Additional information
| Website | ccwsafe.com |
| Monthly Cost | From $16 |
| Criminal Defense Max | Unlimited |
| Civil Defence Max | Unlimited |
| Civil Damages Max | $1 million for primary members (others can be added) |
| Bail Bond | $500,000 with the option to upgrade to $1 million |
| Compensation While in Court | $250-350 per day |
With ACLDN ( Armed Citizen Legal Defence Network ) concealed carry insurance, you can have unlimited coverage for a low monthly rate. Also, you can choose your lawyer and attend their online courses, seminars, and conferences.
The insurance covers a range of expenses related to legal defense, including attorney fees, expert witness fees, court costs, and more. In addition to financial assistance, members have access to a 24/7 emergency hotline to speak with an attorney during self-defense.
Overall, ACLDN’s Concealed Carry Insurance is designed to give members peace of mind, knowing they can access legal support and financial assistance if they ever need to use their firearm in self-defense.
Pros
- Unlimited coverage
- Affordable
Cons
- No per diem rate included
Additional information
| Website | armedcitizensnetwork.org |
| Monthly Cost | $12 |
| Criminal Defense Max | Unlimited |
| Civil Defence Max | Unlimited |
| Civil Damages Max | Unlimited |
| Bail Coverage | Up to $250.000 |
| Compensation While in Court | None |
Second Call Defence insurance has affordable programs that cover many must-have insurance guidelines. This is one of the rarest companies with all three necessary legal options: choosing your attorney, getting money up front, and a per diem during the trial.
Second Call Defense provides access to training resources and support to help you improve your skills as a concealed carrier. In case of a self-defense accident, your insurance from Second Call Defence will cover costs associated with your legal defense, including expert witness fees, court costs, and more.
Plus, they have counseling services to help you deal with a self-defense incident’s emotional and psychological consequences.
Pros
- Affordable
- Excellent customer reviews
Cons
- Limited coverage
Additional information
| Website | secondcalldefense.org |
| Monthly Cost | $10-$35 |
| Criminal Defense Max | $100,000 |
| Civil Defence Max | $1,250,000 |
| Civil Damages Max | Up to $250,000 |
| Bail Coverage | Up to $250,000 |
| Compensation While in Court | $500 per day |
Conclusion
Choosing the best concealed carry insurance can be a daunting task. Still, it is an important decision for any gun owner who carries a firearm for personal protection.
When looking for concealed carry insurance, it’s important to consider coverage limits, legal defense representation, and policy pricing. According to our research, some of the top providers of concealed carry insurance include USCCA, CCW Safe, and Second Call Defense.
We hope this article has helped you realize the importance of concealed carry insurance and will be crucial while deciding which insurance company can earn your trust and money.
