Carrying a firearm is a decision not to be made lightly. You’re agreeing to the possibility that you’ll have to use the gun to protect yourself, a friend or family member, or a victim in an attack that you’re a witness of.
While using a concealed weapon for defense reasons might be noble and heroic to some, you also have to think about the legal ramifications.
For example, many people who have used their concealed firearms have had to endure lengthy legal battles afterward. These can be expensive and time-consuming, so you need to be prepared to take them on.
For this reason, there has been a rise in popularity for concealed carry insurance. Getting the right cover can help you to cover the costs of a potential trial you might have to face. Emphasis on the ‘right cover’, as not all insurance offers as good protection as others.
That is why we’re here to help you find the best concealed carry insurance for you. Not everyone has time to read every single policy out there, so we have found the best three options for people carrying a concealed weapon for self-defense.
Best Concealed Carry Insurance Provider
In our opinion, CCW Safe is the best coverage for you concerning your concealed firearm. They offer unlimited coverage that is offered to you up-front as soon as you need it.
For example, they will cover the costs of private investigators, expert witnesses, and criminal defense (as well as much more) in advance.
The monthly cost is not too much that you’d have to remortgage your house to pay for it, and you can pick your own attorney as well.
Your per diem, which is a daily allowance if you cannot work during the trial, is $250. We think that this is a great benefit that a lot of people will benefit from.
Bail bond coverage is also included in the CCW Safe insurance, and the amount available is $500,000. However, you can upgrade this to $1 billion if you wanted peace of mind.
This is one of the reasons why CCW Safe is our favorite as it is the largest amount offered for bail bond coverage.
- Pick your own attorney option
- Great resources available
- Highest bail bond coverage on the market
- Lowest per diem on the market (besides $0)
- High price point compared to others
A close second, USCCA also proves to be an excellent option for many firearm owners. USCCA is a large name that has been established for many years, providing cover for the entirety of the US over all of their policies.
You’ll be paying a high monthly cost for USCCA, but their coverage is unmatched.
As a member, you’ll even get a monthly magazine, guides, and an online training library. You can also choose your own attorney, you’ll get your money upfront as quickly as you need it, and the per diem is an impressive $750!
The only reason why CCW Safe beat USCCA narrowly on our list is that the legal defense coverage is capped and therefore not unlimited. There are a lot of additional features with this coverage and enticing deals.
- High per diem
- Pick your own attorney
- Offers a lot of features
- High monthly cost
- Legal coverage is not unlimited
Finally, we have the Armed Citizens Defense League Network. This option has a great range of coverage for you but offers a budget monthly cost.
If you don’t want to spend as much as the above two options are offering, this insurance is a great option for you.
The legal defense is unlimited and you can pick your own attorney. However, there is a little bit of fine print that you need to read before rushing into using this supplier.
For example, they’ll only cover half of the defense fund. This is normally not an issue, but some users have been stung by this before.
There is also no per diem, so you will not be reimbursed if you cannot work due to the trial. This might be a deal-breaker for some people, but the low monthly cost helps to soften the blow of this fact.
You’ll also get your money upfront so you won’t be waiting around for a reimbursement.
- Unlimited coverage
- Pick your own attorney
- Low monthly cost
- Coverage capped for the defense fund
- No daily allowance offered
What to look for with concealed carry insurance
There are plenty of features to look at when choosing the best insurance for you, but we have settled on three of the most important features that you might want out of your CCW insurance.
All of our chosen insurance providers offer at least two of these features so that you know you’re only getting the best from your supplier.
Making your own choices
You want the best to defend you on the stand, right?
We would never recommend opting for an insurance provider that insists you use their own attorney.
Instead, you should look for a company that allows you to make your own choices when it comes to the important details.
You’re going to be in a sticky situation when you find out that your insurance company only reimburses you after the trial has finished.
If you don’t have a large lump sum of money to spend on the trial while you’re waiting for the reimbursement to come in, you’ll have to get the money from somewhere.
To avoid having to deal with this stress on top of a lot of other worry and anxiety, you need an insurance provider that is going to pay for the legal bills upfront.
Once you’ve got your legal bills covered, you might also be worried about your living costs during the duration of the trial.
If you can’t work while the trial is ongoing, you might want to look for an insurance company that offers you a ‘per diem’ payment.
This is simply an allotted allowance for you to spend every day that you cannot work.
Why do I need concealed carry insurance?
Most people need this insurance should anything ever go wrong. However, most does not always mean all. The people that do not need this insurance are people who live in states that only permit them to shoot their firearms at the range.
However, if you live in a state that follows the second amendment and allows you to use your weapon in self-defense anywhere, you should consider concealed carry insurance. The thing about insurance is that you hope never to need it.
Much like you hope that you won’t need to take out a claim on your car insurance, you also hope that you won’t need to use your concealed carry insurance. This is because if you use the CCW insurance, you’ll have used your firearm in self-defense.
Concealed carry insurance covers most costs associated with using a firearm in self-defense situations, but not all.
How much does concealed carry insurance cost?
Concealed carry insurance is used as a prepayment should you have to go to court after using a firearm. Once you’re in that situation, the last thing on your mind will be the cost of everything and how you’re going to get the money for the trial.
However, whether or not the police are on your side after using a concealed weapon for self-defense, the final decision still comes down to a jury. That means court fees, attorney fees, and all sorts of other fees that you didn’t even know existed.
The price of concealed carry insurance depends on the supplier. Some companies offer you great perks for a competitive price while others offer you next to no perks for a great price.
While it might seem preferable to opt for the cheapest option now, we bet that once you’re in a worrisome situation you’ll be wishing you opted for the better insurance.
We hope that you’ve learned something valuable about concealed carry insurance and why you need it from our article. While you might think that you don’t need the insurance, if you’re ever in a situation where you need to use it you’ll be glad that you covered yourself in the long run.
CCW insurance protects you and helps you through the legal battle that you’ll be facing if you use your concealed firearm for self-defense. We’ve chosen the top three insurance suppliers that are sure to help you in a stressful situation.
Many others have had success with them and we’re certain that you will too.
There are a lot of different features that you can choose from with your insurance, but we think that the most important ones are the ability to pick your own attorney, a daily allowance in case you cannot work, and the money upfront as and when you need it.
We hope you won’t need it in the future, but good luck!