Carrying a concealed weapon can provide peace of mind and protection, but it also comes with its own set of risks. That’s where concealed carry insurance comes in – it offers legal and financial protection in case you ever have to use your firearm in self-defense.
With so many options out there, which one should you choose? In this blog post, we’ll review some of the top concealed carry insurance providers to help you make an informed decision. Read on to find out which one is right for you!
USCCA
The United States Concealed Carry Association (USCCA) is a well-known and trusted name in the world of concealed carry insurance. They offer several levels of coverage, ranging from basic to elite, that provide protection against criminal charges, civil lawsuits, and even lost wages if you have to appear in court.
One unique aspect of USCCA’s coverage is their “Self-Defense SHIELD” program. This includes 24/7 access to a critical response team who can help with legal representation and other aspects following an incident involving your firearm. Additionally, they offer training resources for members through their website and magazine.
While USCCA has received some criticism for endorsing certain firearms products on their website, overall they are a popular choice among gun owners looking for comprehensive concealed carry insurance. If you’re considering them as an option, make sure to read the fine print carefully before signing up.
NRA
The National Rifle Association (NRA) is one of the most well-known organizations in America when it comes to gun rights advocacy. Established in 1871, the NRA has played a significant role in shaping American firearm legislation and has always been at the forefront of advocating for responsible gun ownership.
Despite being primarily known as a firearms organization, the NRA also offers insurance options for those who own firearms. The policies cover both legal defense and financial damages associated with using your weapon. It’s important to note that these insurance policies aren’t just limited to concealed carry holders but extend to anyone who owns or uses a firearm.
One unique aspect of NRA’s insurance policy is that you don’t need an active membership with them to purchase their coverage – something not offered by many other concealed carry insurance providers. Additionally, they offer competitive pricing on their policies which can be tailored based on your specific needs as a gun owner.
While the NRA may have faced controversy over recent years regarding its stance on certain issues related to guns and politics, there’s no denying they’ve helped shape modern-day American firearm laws through education initiatives and legislative efforts alike.
CHL
CHL, or Concealed Handgun License, is a type of permit that allows individuals to carry their handguns concealed. This license is available in most states and requires the completion of a firearm safety course and background check.
One benefit of obtaining a CHL is increased personal protection. With this license, individuals can legally carry their firearms for self-defense purposes. It also provides peace of mind knowing that you are prepared to defend yourself if needed.
However, it’s important to note that carrying a concealed handgun comes with great responsibility. Proper training on handling and using firearms must be completed before obtaining this license.
In addition, having a CHL does not exempt individuals from following state laws regarding gun ownership and usage. It’s important to stay up-to-date with any changes in these laws to ensure compliance.
While obtaining a CHL may provide added personal protection, it’s crucial to remember the importance of responsible gun ownership and usage at all times.
G&A
G&A, or Guns & Ammo, is a popular magazine that has been around for over 60 years. It covers all things related to firearms and ammunition, including reviews of new guns and gear, shooting techniques and tactics, hunting tips and more.
One of the standout features of G&A is its comprehensive gun reviews. The magazine’s team of experts take an in-depth look at each firearm they test out, assessing everything from accuracy and reliability to ergonomics and aesthetics.
In addition to gun reviews, G&A also offers readers practical advice on how to improve their shooting skills. From basic marksmanship tips to advanced training techniques like speed reloading and malfunction drills, there’s something in every issue for shooters of all skill levels.
Another notable aspect of G&A is its coverage of hunting-related topics. Whether you’re a seasoned hunter or just getting started, the magazine provides valuable information on game species behavior patterns as well as expert advice on weapons selection.
Overall,Guns & Ammo remains a go-to resource for anyone with an interest in firearms. Its combination of informative articles written by experienced writers coupled with high-quality photography makes it both enjoyable read as well as an educational one!
Second Amendment Insurance Services
Second Amendment Insurance Services is a relatively new player in the concealed carry insurance market. Founded in 2018 by Matt Mallory, a firearms instructor and podcast host, this company offers coverage for both criminal defense and civil liability lawsuits that may arise from using a firearm in self-defense.
One unique aspect of Second Amendment Insurance Services is their focus on education and training. They offer members access to online courses on topics such as situational awareness, conflict resolution, and legal considerations when carrying a firearm. This emphasis on education sets them apart from other companies that only provide coverage.
Another benefit of choosing Second Amendment Insurance Services is their affordable pricing options. Their lowest level plan starts at just $10 per month, making it accessible for those who might not have considered investing in concealed carry insurance before.
Second Amendment Insurance Services appears to be a promising option for those looking for comprehensive coverage with an added emphasis on education and affordability. However, as they are still a newer company without the same track record as some of the more established players in the market, potential customers should do their due diligence before making any decisions about which provider to choose.
Concealed Online
Concealed Online is a company that provides online training for concealed carry permits. They offer courses that are approved in several states across the United States, and they claim to have trained over 500,000 students.
Their courses cover topics such as firearm safety, legal considerations, and basic marksmanship skills. They also offer live-fire training options for an additional fee.
One potential downside of Concealed Online is that their courses may not meet the requirements for a concealed carry permit in all states. It’s important to check with your local authorities before enrolling in any online training program.
Another consideration is that some critics argue that online-only training does not provide enough hands-on experience or feedback from instructors. However, others believe that it can be a convenient option for those who cannot attend traditional in-person classes.
Whether or not Concealed Online is right for you will depend on your individual needs and preferences. It’s important to do your research and carefully consider all of your options before making a decision about how to obtain your concealed carry permit.
Best Overall
When it comes to the best overall concealed carry insurance, there are a few options that stand out from the rest. While every provider has its strengths and weaknesses, some offer more comprehensive coverage than others.
One of the top choices for many gun owners is USCCA. They have been providing insurance for over a decade and offer coverage that includes criminal defense, civil defense, and financial support in case you need to defend yourself with your firearm.
Another great option is NRA Carry Guard. This program offers similar coverage as USCCA but also provides training resources to help gun owners prepare themselves mentally and physically for a self-defense situation.
CHL offers an affordable option with solid protection that covers legal fees and other expenses related to self-defense situations involving firearms.
G&A Insurance Services is known for their excellent customer service as well as their comprehensive coverage options at competitive prices.
Second Amendment Insurance Services rounds out our list of top picks thanks to their flexible plans that allow you to customize your policy according to your specific needs.
Ultimately, choosing the best overall concealed carry insurance will depend on your individual preferences and priorities. Consider what matters most to you in terms of coverage, price point, and additional resources offered before making your decision.
Bottom Line
After researching and reviewing the top concealed carry insurance options, it’s clear that each provider offers unique benefits for gun owners.
USCCA stands out for their comprehensive coverage and extensive training resources, while NRA provides excellent legal protection for members. CHL has affordable rates and simple plans, making them a great option for those on a budget.
G&A offers flexible coverage options with add-on benefits like identity theft protection. Second Amendment Insurance Services specializes in self-defense claims and has knowledgeable staff to help guide you through the claims process.
Concealed Online may be convenient but lacks the comprehensive coverage of other providers.
The best concealed carry insurance option will depend on your personal needs as a gun owner. Consider factors such as coverage limits, legal representation, training resources, customer service support, and pricing when choosing an insurer.
Remember to always do your due diligence by reading policy details carefully before making any decisions. With proper research and careful consideration of your individual circumstances, you can find peace of mind knowing that you have quality concealed carry insurance should you ever need it.