Finding Concealed Carry Self Defense Insurance

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Concealed Carry Self Defense Insurance

Most gun owners consider owning a firearm as a form of protection against those who would harm us, or our family.

In the last few years, persons claiming self-defense that resulted in the death of someone found themselves embroiled in charges and potential civil suits. Have you ever really considered what would occur after the unthinkable happens and you are forced to defend yourself with your firearm?

It doesn’t end just because you are legally armed. There will be a court proceeding to determine if the legal requirements for using deadly force were justified. Even if you are not charged, the family of the deceased individual may file a civil suit against you. In the best case scenario you prove your justification in protecting yourself and you walk away once more, though you will have already spent as much as tens of thousands of dollars or even hundreds of thousands to defend yourself.

Many insurance providers now offer concealed carry and self-defense insurance (CCSDI). The following will assist you in choosing a plan.

  • First, check with your homeowners insurance to see if you are eligible for CCSDI under your homeowner’s policy.
  • Second, check your state of residences laws. If your state has Stand Your Ground Laws they may protect you against a civil lawsuit in a lawful self-defense occurrence. If your state’s law don’t protect you against a civil suit you may want to consider CCSDI that covers the cost of civil suits. Check your laws often, they can change.
  • Third, carefully consider the plans you are considering, how many levels of protection they offer and whether or not they pay for defense costs upfront, after you have paid it yourself (reimbursement). Many insurance companies will only pay after you have been found not guilty, leaving you to pay the costs upfront.

Other things to consider are:

  • Try to determine how much coverage you would need. Ask questions such as how much are court costs per hearing? What do the attorneys in my area charge an hour, how much is their retainer fee, and how many hours would court and attorneys average? If you have an attorney, it may be worthwhile to ask him these questions. Many attorneys don’t charge for calls requesting information.
  • Check the details, ask if expert witnesses are covered and will they be paid up front, or reimbursed to you after you pay. Does the insurer have a network of expert witnesses?
  • Ask if the plan provides an attorney of their choice or your own choice. Find out if the plan covers only you, or other family members were an incident to occur with your gun in your home.

Armed Citizens Legal Defense Network

  • Cost: $125 per year


  • 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
  • website

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 $1,000,000 single overall limit combined with criminal-defense reimbursement


  • Exclusively endorsed by the NRA
  • website

Second Call Defense

  • Levels: 5
  • Cost: $9 to $40 monthly
  • Criminal Coverage Offered: $10,000 to $50,000
  • Civil Coverage Offered: $0 to unlimited


  • Accidental-shooting protection.
  • Immediate cash for bail
  • Higher-level coverage offers on-site assistance
  • Gun retrieval/replacement
  • In-court compensation
  • Psychological support.
  • website

This plan is offered by Lockton Affinity, LLC, and backed by the NRA Endorsed Insurance.

USCCA Shield

  • Levels: 3
  • Cost: Tied to USCCA membership
  • Criminal Coverage Offered: $50,000 to $100,000
  • Civil Coverage Offered: $75,000 to $300,000


  • Cash for bail
  • Compensation while in court
  • Attorney referrals
  • Immediate criminal attorney retainer
  • website


  • Cost: $99 annual membership includes self-defense insurance.
  • Criminal Coverage Offered: Attorney provided. You call a 24 number and an attorney will be on the phone with you while you are still at the scene
  • Attorney provided through criminal period and civil period to the end
  • Independent investigation provided by our seasoned former law enforcement investigators
  • Expert witnesses provided
  • Civil Coverage Offered: Attorney provided.
    Contact for additional details.
  • website
  • 855-639-2297'

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