If you carry a firearm for self-defense, you also need Concealed Carry Insurance (CCW). In the best-case scenario, you will never have to use it. However, in every other case, it could save you time and money with legal hassles.
The problem is that choosing a CCW is easier said than done. Most policies offer the same advantages. However, it is the fine print that makes the difference between them. And, like any weapon owner in the US, you want the best firearm liability insurance money can buy without hidden costs.
Fortunately, you won’t have to research through the myriad of CCW insurances on the market to find the right one. We did that for you. So, all you have to do now is browse through the concealed carry insurance options below and find the one that best suits your needs and preferences.
Why You Need a CCW Insurance
Some gun owners consider CCW insurances unnecessary. Whether it is because they don’t want to pay for it or they never use their weapons, these firearm holders never apply for one.
However, for everyone else, getting a concealed carry insurance is similar to buying an insurance policy for their homes. The logic is simple. For instance, you may never cook at home, but a fire can break anytime for various reasons. Also, you may live in a peaceful neighborhood. However, while the chances of burglary may be small, they are never zero.
The same reasoning applies to having CCW insurance. You may have a simple life with almost no reason to ever take your gun out of the holster. Still, you can never know when you need to defend yourself or your family from a violent aggressor.
The CCW simply helps you cover some of the legal fees that result from drawing your firearm in self-defense. If you carry a weapon, concealed or not, why would you risk paying more in the unfortunate event you have to defend yourself.
How Much Does a CCW Insurance Cost?
When you are in a tense standoff with a violent assaulter, the last thing on your mind will be the cost of your CCW insurance. On the contrary, if it all goes wrong, you might pay with your life, which is eternally more valuable than even the most expensive CCW.
If you protect yourself or others with your weapon, the CCW becomes one of the best investments you ever made. After a shootout, you have to enter police custody. And, even if your case is simple and clear, you will still have to go before the judge and jury. As a result, you will have to pay for court fees, attorney fees, and any other expenses.
Fortunately, CCW insurance helps you pay for most of these fees without breaking your piggy bank. On the other hand, the percentage of fees that the insurance covers depends on the insurance provider. Also, every company offers various advantages for different costs. So, you’ll have to think twice before you settle for one.
What to Look for When Choosing a CCW
We researched the most prestigious CCW insurers on the market. Below, you will find a clear description of what they have to offer to firearm owners. Before you choose one, take into consideration these factors:
- The maximum amount it covers for civil trials
- The maximum amount it covers for criminal trials
- The maximum amount it covers for bail
- Geographical coverage
These conditions should be at the top of your list of deciding factors. Next, you can consider the subscription fee, customer support, and other facilities.
Concealed Carry Insurance Options
Here are our CCW insurance reviews representing the most viable options available on the market at the moment!
The United States Concealed Carry Association (USCCA)
This association is one of the largest in the United States. At the time of this writing, it had over 578,000 paying members and counting. Contrary to other insurance platforms, USCCA focuses its actions on what it calls the "Three Pillars"—mental, physical, and legal readiness.
There are three membership levels available that range from $25 to $42 per month when billed annually. Together with the insurance, the association offers gun training materials as well as guides to firearms and self-defense.
The only downside to this CCW insurance is not available to residents of New Jersey, New York, or Washington State.
Armed Citizens Legal Defense Network (ACLDN)
This network can cover significant expenses when you go to trial for using your firearm in self-defense. For example, it may cover bails of up to $25,000 and pay just as much to cover attorney fees. Furthermore, it is available for both civil and criminal cases.
If the legal proceedings linger, ACLDN will provide you with monetary support. And, the best part about the membership only costs $135 for your first year before decreasing to $95 per year.
The only downside to being an ACLDN member is that you do not pay for proper insurance. Instead, the service works as a pre-paid legal representation in case something goes wrong.
US Law Shield
This Texas-based association offers to cover legal fees for criminal and civil proceedings. More so, it doesn’t have a limit to the amount it can cover. So, you should be able to count on their support even with the most expensive lawsuits.
Becoming a member of US Law Shield will cost you $19.95 in set up fees and $10.95 subsequent monthly fees. At the time of this writing, the network incorporated no less than 650,000 members.
There are two downsides to using US Law Shield for your CCW insurance. Firstly, in case of a trial, you must use one of the network’s attorneys. Secondly, some of the benefits have geographical limitations and are available only in a handful of states.
This association also offers cap-less funds for lawsuit fees, both criminal and civil legal defense. Also, it covers up to $100,000 in the bail bond. So, you nearly get a free “out of jail card” while you wait for your trial to finish.
The three CCW Safe membership levels range from $179 to $519 per year when billed annually. Naturally, the best benefits come with the most expensive subscription.
The biggest downside of using CCW Safe is that the plan that you pay for is only eligible in your state. So, if you draw your gun in self-defense one foot outside the state lite, you do not receive any of the benefits you have paid for over the years.