Skip to main content

How to Choose Concealed Carry Insurance

Most of us carry at least one insurance policy. Whether that policy covers your home, your car, your health or your life, in most cases you choose to protect yourself against the unexpected.

Most gun owners view our possession of firearms as an insurance policy in itself. A firearm in the nightstand or carried concealed is self-administered insurance against those who could harm us.

But what if the unthinkable happens? If you're forced to use your firearm in self-defense, what happens in the aftermath of the incident?

We see this scenario play out regularly across the country. A legally armed citizen uses a gun in self-defense, then appears in court to prove that the legal requirements were met to justify using deadly force. When the court rules that the citizen complied with the law and is not guilty of any crime, life just goes on, right?


It's not always that simple. Any court case could result in you spending tens of thousands of dollars to protect your freedom and clear your name. Even once you're cleared of all criminal charges, the family of the deceased might take further action to sue you in civil court for wrongful death. Once a civil trial determines you are not liable for damages, you could still face a pile of legal bills in the process.


With the expansion of concealed carry in the United States, insurance providers are now offering concealed carry and self-defense insurance policies. Since several coverage options are now available from a number of providers, there's an abundance of factors to consider when choosing a self-defense insurance plan.

How to Choose the Best Plan

First, consider any coverage you may already be entitled to through your homeowner's insurance. Most homeowner's insurance policies have clauses that may either enable or prevent your current plan from covering you in a self-defense scenario on your own property. It is worth speaking with your insurance agent to figure out what kind of coverage — if any — is included in your current plan.

Second, study the state laws where you reside. Many states have Stand Your Ground laws that protect individuals against civil suits in lawful self-defense scenarios. Generally, these laws make it unlikely that you will face a civil suit when rightfully defending yourself.


If you're not likely to face a civil suit due to state laws, then it may not make sense to pay a premium for insurance coverage. However, if your state's laws don't favor self-defense scenarios, you may want to consider an insurance plan that covers the costs of civil lawsuits.

Please note that it's very important to stay abreast of the laws in your state. Legislation is ever-changing, and it bears noting that in the current political climate, there is significant push-back against established Stand Your Ground laws.

Next, consider the varying levels of insurance coverage provided. Most policies offer more than one level of protection. The more you pay monthly or yearly, the greater amount of civil and criminal coverage you may be entitled to during a trial.


It is important to note that, for criminal trials, most plans only offer reimbursement for money spent defending yourself. Several insurance plans will not provide money upfront for a criminal proceeding and will only pay out if you are found not guilty.

However, many plans will cover your legal bills for civil cases up to the plan limit. It's also recommended to carefully consider how much coverage you feel you might need based upon where you live. Going to court in one jurisdiction versus another can be a much different experience, and this can lead to vastly different costs.

It's likely that if you were ever caught up in a high-profile self-defense case, any of the plans mentioned later in this article would only cover a fraction of your criminal proceedings costs.

Additional Considerations

The final things to consider when choosing self-defense insurance are any additional features included in the plan. For example, find out whether a plan will cover fees for an expert witness and whether those fees are provided upfront or reimbursed later.

Also, always find out if the plan provides an attorney for you or if it allows you to pick an attorney whom you feel will represent you best. Likewise, determine if the plan covers your family members during a self-defense incident within your home using your firearm.

Some plans may also provide access to networks of resources, such as expert witnesses, for use in your trial.

Do Your Homework

When choosing self-defense insurance, it's important to research the different plans available and choose one you're comfortable with that closely fits your needs.

Due to the unique nature of these plans and the sensitive subject matter, there's not much in the way of readily accessible information detailing customers' individual experiences with the various insurance providers.

If you have suggestions for choosing concealed carry insurance, please comment below to help others with this process.

To guide you toward the best coverage options for you, here's an overview of several common concealed carry insurance providers:

NRA Self-Defense Insurance

Plan Levels: 4

Cost: $165 to $600 annually

Criminal Coverage Offered: $50,000 to $100,000

Civil Coverage Offered: $100,000 to [imo-slideshow gallery= 402],000,000 single overall limit combined with criminal-defense reimbursement

Features: Exclusively endorsed by the NRA

NRA Self-Defense Insurance Website

Second Call Defense

Plan Levels: 5

Cost: $9 to $40 monthly

Criminal Coverage Offered: $10,000 to $50,000

Civil Coverage Offered: [imo-slideshow gallery= 402] to unlimited

Features: Accidental-shooting protection, immediate cash for bail, higher-level coverage offers on-site assistance, gun retrieval/replacement, in-court compensation, psychological support. This plan is offered by Lockton Affinity, LLC, and backed by the NRA Endorsed Insurance.

Second Call Defense Website

Armed Citizens Legal Defense Network

Plan Levels: 1

Cost: $125 per year

Features: Provides a $10,000 fee deposit to your lawyer if you are charged with a felony, $5,000 deposit if charged with a misdemeanor; access to Network-affiliated attorneys and experts; all members get eight educational DVDs

Armed Citizens Legal Defense Network Website

USCCA Shield

Plan Levels: 3

Cost: Tied to USCCA membership

Criminal Coverage Offered: $50,000 to $100,000

Civil Coverage Offered: $75,000 to $500,000

Features: Cash for bail, compensation while in court, attorney referrals, immediate criminal attorney retainer

USCCA Shield Website

Current Magazine Cover

Enjoy articles like this?

Subscribe to the magazine.

Get access to everything Guns & Ammo has to offer.
Subscribe to the Magazine

GET THE NEWSLETTER Join the List and Never Miss a Thing.

Recommended Articles

See More Recommendations

Popular Videos

Guns & Ammo TV: 6.5 Creedmoor vs. .375 H&H

Guns & Ammo TV: 6.5 Creedmoor vs. .375 H&H

The 6.5 Creedmoor and the .375 H&H are almost complete opposites, or are they? The 6.5 Creedmoor is a newer and popular cartridge that transcends long-range precision rifle shooting and hunting big game. The .375 H&H is more than a century old, but still a popular and versatile choice for hunting big and dangerous game. For this shoot, Pro Tom Beckstrand, former U.S. Army Special Operations officer and sniper team leader, faces off against Guns & Ammo TV cameraman Ben LaLonde in a challenge that highlights the differences between these two cartridges.

Guns & Ammo TV: Springfield Armory XD-M 10mm

Guns & Ammo TV: Springfield Armory XD-M 10mm

In this “At The Range” segment, Guns & Ammo Editor Eric Poole and Senior Field Editor Craig Boddington look over the features of the XD-M.

Trijicon RMRcc Reflex Sight – Perfect for Optics-Ready Concealed-Carry Pistols

Trijicon RMRcc Reflex Sight – Perfect for Optics-Ready Concealed-Carry Pistols

The people asked and Trijicon answered. Introducing the RMRcc miniature red-dot sight for compact, concealed-carry pistols. Trijicon's new RMRcc features the durability and reliable controls that have made the RMR so successful, but its reduced dimensions make the “Concealed Carry” model better suited for the popular small-frame pistols designed for discreet carry and personal defense.

Umarex Air Ruger 10/22 Rifle Review

Umarex Air Ruger 10/22 Rifle Review

In this segment of "Guns & Ammo TV," Gun Tech Editor Richard Nance and Pro-Shooter Jim Tarr head to the range to wring out the Umarex Air Ruger 10/22.

See More Popular Videos

Trending Articles

The one glaring weakness in the .30-­caliber magnum cartridge lineup is best highlighted by examining the requirement around which Hornady designed the .300 PRC; the requirement came from the U.S. Special Operations Command (SOCOM). .300 PRC Review Rifle

.300 PRC Review

Tom Beckstrand - March 12, 2019

The one glaring weakness in the .30-­caliber magnum cartridge lineup is best highlighted by...

Some guns are easier to work with than others, but the Ruger American Rifle doesn't require an engineering degree to tinker with; here's a look at some upgrade options to take your Ruger American to the next level, and make it something a bit different.Top Ruger American Rifle Upgrades Accessories

Top Ruger American Rifle Upgrades

Philip Massaro - March 15, 2018

Some guns are easier to work with than others, but the Ruger American Rifle doesn't require an...

Trijicon has dominated the Carry Optic landscape on hard-use handguns for years. With the new RMRcc, they plan on dominating the concealed carry market as well.Trijicon RMRcc Reflex Sight Review – Perfect for Concealed Carry Optics

Trijicon RMRcc Reflex Sight Review – Perfect for Concealed Carry

Jeremy Stafford - October 01, 2020

Trijicon has dominated the Carry Optic landscape on hard-use handguns for years. With the new...

9 Commonly Misused Gun Terms How-To

9 Commonly Misused Gun Terms

Kyle Wintersteen

"Assault weapon." Sixteen-round "clip." A box of "bullets." When it comes to guns and gun...

See More Trending Articles

More How-To

Here's what is impacting the flight of your bullet and, ultimately, its accuracy.Understanding Ballistics of Long-Range Shooting How-To

Understanding Ballistics of Long-Range Shooting

David Emary - May 14, 2020

Here's what is impacting the flight of your bullet and, ultimately, its accuracy.

In this Guns & Ammo TV: Appendix Carry Equipment and Training How-To

Guns & Ammo TV: Appendix Carry Equipment and Training

Guns & Ammo Staff - August 14, 2020

In this "At The Range" segment, Contributor Kimberly Heath-Chudwin and former U.S. Navy SEAL...

How to improve your shooting while at home.Dry Fire Practice News

Dry Fire Practice

Jeremy Stafford - April 22, 2020

How to improve your shooting while at home.

Hardened warriors don't rely on luck; they make their luck. Rely on your training. Don't rely on superstitions or a lucky rabbit's foot. Good Luck Comes With Good Training How-To

Good Luck Comes With Good Training

SGM Kyle Lamb [Ret.] - June 22, 2020

Hardened warriors don't rely on luck; they make their luck. Rely on your training. Don't rely...

See More How-To

Magazine Cover

GET THE MAGAZINE Subscribe & Save

Digital Now Included!

SUBSCRIBE NOW

Give a Gift   |   Subscriber Services

PREVIEW THIS MONTH'S ISSUE Arrow

Buy Digital Single Issues

Don't miss an issue.
Buy single digital issue for your phone or tablet.

Buy Single Digital Issue on the Guns & Ammo App

Other Magazines

See All Other Magazines

Special Interest Magazines

See All Special Interest Magazines

GET THE NEWSLETTER Join the List and Never Miss a Thing.

Phone Icon

Get Digital Access.

All Guns and Ammo subscribers now have digital access to their magazine content. This means you have the option to read your magazine on most popular phones and tablets.

To get started, click the link below to visit mymagnow.com and learn how to access your digital magazine.

Get Digital Access

Not a Subscriber?
Subscribe Now