USCCA Review

USCCA Concealed Carry Insurance Review (2019)

In today's world, concealed carry insurance is a must! In this review we compare USCCA to three of their top competitors...NRA Carry Guard, U.S. Law Shield, and ACLDN.

Read on to find out who we find offers the best deal, and who we choose for our concealed carry insurance needs! 



Who We Choose For Our Coverage

USCCA Insurance Package

With so many choices of CCW insurance it can be hard to decide which one to choose. This article began when I started looking into insurance for myself.

I decided that if I wasn’t going to drive my car without insurance, then I shouldn’t own a firearm without insurance as well.

My search started by comparing all the top insurance companies (much more on these other companies down below). I wanted high marks in three important categories for my insurance. Price, Coverage, and Membership Perks.

It wasn't until after my long, research filled journey, that I decided on USCCA. This is not to say the other companies are not worth using. As you will see below, they have some great qualities to offer!

So why did I choose USCCA (United States Concealed Carry Association) for my insurance? Good question...read on to find out.


Why You Need Concealed Carry Insurance

The Concealed Carry Traffic Stop

When a firearm is used for self-protection, it is often the beginning of a long, stressful, and uncertain criminal case. Although it may seem obvious to you what happened, the police must investigate the incident, and will treat the scene as a crime scene.

Many times, the victim of the crime is arrested and booked, even though they acted legally.

If you are not arrested, or even if you win your criminal case, you are also subject to a civil complaint. This is where the person you were protecting yourself against could sue, or their family could sue for wrongful death.

It's Not Only For Shootings

Many people think concealed carry insurance is only for when you have to fire your gun. This is not the case. There are MANY instances where you are protected from legal trouble with your insurance coverage.

As shown in Bill and Kerri Ann's stories in the videos below, you are protected from instances where you are just carrying your firearm as well. 

These types of cases are probably more common than cases where a shooting occurs.

This is why getting the right insurance is so important. I recommend to all my friends who own firearms to get some sort of coverage...and I always recommend USCCA in large part because of the insurance coverage.


True Stories of Having The Right Coverage

Below are two real life stories of how good coverage worked for these USCCA members. In both cases, neither person even fired their weapon. However, they were still protected during their legal troubles. This is why the right coverage matters...


USCCA Review

USCCA Logo
Price
While USCCA membership is not the cheapest on the market, it does offer the best value for your dollar. 
Coverage
USCCA is a complete package that offers 100% up-front coverage that is superior to its competitors. 
Perks
USCCA membership perks are unrivaled. You get much more than just the concealed carry insurance. 

Summary:  


USCCA stood above its competitors in all three categories. With USCCA you have total peace of mind.


While the one negative I did find (too many emails) may be annoying to some, it has an easy fix. However, ignoring all of the emails may be a bad decision as USCCA has recently began sending out very helpful emails as well.


I don't only recommend USCCA, I am also a member myself. It was only after I had been a member that I decided to write this review.

PROS
  • Coverage: Attorneys in all 50 states, 100% upfront coverage, Expert Witness Coordination
  • 24/7/365 Access To The USCCA Critical Response Team
  • Membership Perks: Magazine, Members-Only Video Library/Article Vault, Training Programs
CONS
  • Email Advertising: You will receive many informational and sales emails!
Packages as low as $22 (per month)


Why We Choose USCCA

USCCA Membership Card

As you can see, I have the Elite Level membership plan from USCCA.  Not only does it provide the best coverage, you end up saving the most money when you pay yearly for this plan…you save a whopping $67 per year!

Each USCCA membership plan offers a monthly option and a yearly option. However, the yearly option offers the most savings.

PROS: 
I found many features of USCCA membership that I liked. However, what stood out was the amount of coverage you get for your money, as well as all the perks that come with your membership. These two things put USCCA over all other concealed carry insurance companies.
CONS: 

Emails. They send so many emails following enrollment. Now don't get me wrong, there is some great value (training, special offers, etc.) in many of their emails. However, there are a LOT of them. For many this may be a turn off, but with today's email features this can be easily fixed.

In the end of my USCCA review, I found that they provide the best value for your money, while also giving the coverage/support you need.


Who Is USCCA

The United States Concealed Carry Association was founded in 2011 by Tim Schmidt, founder of Delta Defense, a magazine that emphasized education and responsible gun ownership.

Tim-Schmidt

"You are going to have one of the best pre-screened Pro-Second Amendment criminal and civil defense attorneys"


Tim SchmidtPresident and Founder of USCCA

Tim began this concealed carry insurance company because of all the awful stories he came across in his publishing career about individuals going to prison for shooting intruders in self-defense.

He was disgusted that our criminal justice system did not recognize the danger a stranger entering your house poses and the necessity to protect yourself and your family.

He also learned that many home insurance companies did not want to get involved with situations where a firearm was used inside the home. Tim wanted to create not only an insurance company, but a place for education and training as well.


How Does USCCA Insurance Work?

For those that do not know about concealed carry legal coverage, or are not familiar with USCCA memberships, we are going to provide a simple procedure that you should follow in case a situation arises including a firearm, knife, or even fists.

1. Call 911

First thing you need to do is call 911 and report the event to the police. You need to use key words when reporting the incident including that you were attacked (you were not the aggressor), you feared for your life or your family members life and felt like the only reasonable reaction was to defend yourself.

2. Call USCCA
Your next step is to call your Critical Defense Team with USCCA. The case manager that answers the phone is trained in high stress situations in which the individual that just had to defend themselves might still be in a state of shock, discomfort, or fear. Your case manager will remain on the line with you and assist in calming you down, delivering care and compassion and will help you with the next steps you need to take.
3. Follow Directions Given By USCCA

When the police arrive, you will already have been prepped by your case manager on what to say and what NOT to say. Your case manager will give you instructions and prepare your bond in the event you end up being arrested after speaking with the police. This does not always mean that the police don’t believe your account of the events, many times this is just routine procedure.

Do not talk to the police until your attorney arrives. USCCA will provide you with a knowledgeable and experienced 2nd Amendment attorney immediately.

You will also have consistent access to your case manager and case management team. You will also be provided with legal fee support for both criminal and civil liability. USCCA’s goal is to provide you with as much piece of mind as possible while experiencing an unanticipated stressful situation.


The Best Concealed Carry Insurance Companies

  1. USCCA
  2. NRA Carry Guard
  3. U.S. Law Shield
  4. ACLDN

I looked at the top companies that recognized the growing need for concealed carry insurance. These are the four insurance companies that stood above the rest.

Below I review what the top companies have to offer. Every company on this list is top notch. Each of them have some great benefits to offer. 

I choose USCCA, however if you choose to go another direction, I would choose one of the others on this list.


USCCA

Below I will review the levels of membership that USCCA offers. Each one steps up the coverage you receive, as well as adds a few perks. The Platinum package tends to be the most popular, while the Elite package (when paid yearly) offers the best deal.

USCCA Membership Package Prices

Gold Membership: $22/month or $247/year

Platinum: $30/month or $347/year

Elite: $47/month or $497/year

All three levels of membership are great deals, however you save the most when you pay yearly.

As you can see below, each step up greatly increases your coverage...as well as adds some extra benefits.


Gold Membership Legal Protection Benefits
  • $500,000 in protection for civil defense and damages
  • $100,000 in for criminal defense, bail bond funding and attorney retainer
  • 24/7/365 Critical Response Team
  • Your choice of attorney or access to USCCA Attorney Network
  • Protection for use of all legal weapons of opportunity, including up-front funding for criminal defense and bail bonds
  •  FREE entry to the Concealed Carry Expo

Platinum Membership Legal Protection Benefits
  • $1,000,000 in protection for civil defense and damages
  • $150,000 in protection for criminal defense, bail bond funding and attorney retainer
  • 24/7/365 Critical Response Team
  • Your choice of attorney or access to USCCA Attorney Network
  • Protection for use of all legal weapons of opportunity, including up-front funding for criminal defense and bail bonds
  •  FREE entry to the Concealed Carry Expo
  • Annual Concealed Carry Expo Advanced Show Entry

Elite Membership Legal Protection Benefits
  • $2,000,000 in protection for civil defense and damages
  • $250,000 in protection for criminal defense, bail bond funding and attorney retainer
  • 24/7/365 Critical Response Team
  • Your choice of attorney or access to USCCA Attorney Network
  • Protection for use of all legal weapons of opportunity, including up-front funding for criminal defense and bail bonds
  •  FREE entry to the Concealed Carry Expo
  • Annual Concealed Carry Expo Advanced Show Entry
  • Annual Concealed Carry Expo VIP Experience

Membership Perks

Included in ALL Memberships:

  • Complete Subscription To Concealed Carry Magazine Included
  • Members-Only Online Video Library And Article Vault
  • Members-Only Deals And Discounts
  • Annual Expo (training classes, firearm exhibits, and assessor manufacturer’s products)
  • Training Programs (taught by qualified licensed trainers that go through rigorous training prior to teaching located all over the country)

One of the biggest surprises to me was the quality and length of the monthly Concealed Carry Magazine…this is a GREAT addition to the membership.

Extra selling points for me were:

  • 100% Up-Front Coverage (No Deductible. No Reimbursement.)
  • Covers Use Of All Legal Weapons
  • Firearm Theft Liability Coverage
  • Wage Compensation While In Court

  • Membership Highlights

    The following highlights stood out :

    • USCCA offers 100% legal fee coverage, where other companies only pay for legal fees if you are found not guilty. The overall reimbursement for total legal fees was lower, while USCCA appeared to have one of the highest compensation systems.
    • USCCA has attorneys available in all 50 states, where many companies only offer attorneys in the states they are incorporated in or have their principle place of business. Because laws vary from state to state, having access to attorneys in all 50 states allows for a greater amount of legal knowledge.
    • USCCA covers all legal weapons (knives, fists, firearms, etc.), however other companies only cover firearms.
    • If the altercation occurred in the home, the insured and the spouse can both be covered under the policy (small upgrade fee). Again, this is unique from the major policies currently available on the market.

    NRA Carry Guard

    Background

    Developed by a team of previous military and law enforcement individuals, the NRA Carry Guard is held out to be the complete coverage that provides confidence and protection for all gun owners.

    It is also the only organization supported and endorsed by the National Rifle Association. Extensive research was conducted to understand the legal, mental, and physical situation a person must be in prior to pulling the trigger and discharging their weapon.

    The organization states that they are experts in knowing the exact elements that must be proven to show self-protection was necessary and how to prepare the member to defend themselves.

    Rundown

    NRA Carry Guard stands on a platform of teaching how to avoid situations where using your firearm becomes necessary, or how to deescalate dangerous situations. Their goal is that you will not have to use their services, so the education that is provided focuses more on avoiding potentially harmful situations or learning how to bring calm to a situation that might get out of hand.

    The in person training program was developed by two Army Special Forces veterans and two Navy SEAL veterans in order to teach students safe and proficient handling of their concealed carry weapon, understand their own limitations when it comes to using their weapon, how to react emotionally and physically with their weapon in stressful situations, and making logical decisions when it comes to protecting themselves or their family.

    The insurance through NRA Carry Guard is administered through Lockton Affinity, however your membership card will say “NRA Carry Guard” on it.

    Membership Comes In Four Levels:

    Bronze: $154.95/year For up to $300,000 in insurance protection, including bail, civil protection, and criminal defense

    Silver: $254.95/year For up to $600,000 of insurance protection, including bail, civil protection and criminal defense

    Gold: $359.95/year For up to $1,150,000 of insurance protection, including bail, civil protection and criminal defense

    Gold Plus: $549.95/year For up to $1,750,000 of insurance protection, including bail, civil protection and criminal defense

    In addition, other benefits include:

    • Immediate access to supplementary payments, such as bail, legal retainers, costs, etc.
    • 24/7/365 Access to Emergency Hotline (NRA Carry Guard recommends calling 911 first, wait for the police to arrive, and then call this hotline)
    • Full coverage for your spouse with no extra charge, plus all resident family members when an act occurs in the home
    • Restoration of seized firearm, any damage done to your residence, and lost earnings due to court or psychological support.

    Click Here To Visit NRA Carry Guard and Get More Information!

    NRA Carry Guard’s foundation is education, however if you find yourself in a situation where you need legal assistance, they are equipped to provide that support as well. It is possible to become a member of NRA Carry Guard without purchasing the insurance to get access to the training videos and materials.

    One thing to keep in mind is that Carry Guard has come under fire as of late.  Meanwhile the NRA has been in some legal battles with its insurance broker. The future of NRA Carry Guard is currently in the air and something to keep an eye on.


    U.S. Law Shield

    Background

    In 2009, a group of attorneys that were frustrated with the way legal gun-owning defendants were being treated in the criminal justice system. The President, Kirk Evans, and Vice President, P.J. Hermosa, saw innocent people being convicted for justifiable discharge of their weapon, and many people going into bankruptcy trying to defend themselves.

    U.S. Law Shield began in Texas and is now expanded to 15 states, primarily located in the southern U.S. However, if you are not located in one of the states U.S. Law Shield has a place of business, the program offers a “multi-state” option in their membership that allows for coverage in all 50 states.

    Rundown

    The foundation of the program is education. Safe handling of firearms, proper use of a weapon during an altercation, and many more subjects are the heart of this organization.

    Last year they offered 4,500 training classes alone, in subjects such as tactical training and live-fire shooting, and classes on gun laws and gun owner rights in the members specific state. The website provides extensive information on many aspects of gun ownership and education.

    The benefits of membership include:

    • Highly vetted and screened attorneys
    • Start to finish representation
    • 24/7/365 Emergency Hotline to call as soon as a firearm incident takes place that will be answered by an attorney
    • Non-emergency attorney question line
    • Multi-state protection
    • No limits on attorney fees for all qualified covered events
    • Legal representation for both criminal and civil cases
    • Access to experts in the field
    • Expert Witnesses (additional add-on)
    • Bail funds (additional add-on)

    Important to Note


    The plan does not cover the expert witness fees, bail bond, government fees, or investigator fees, however, as mentioned above, the expert witness fees and bail can be added on as optional additional coverage.

    The Plan Fees:

    $131.40/year for an individual

    $240/year for a couple

    $24/year for each minor child.

    The organization prides itself on its library of educational materials, educational seminars, in person training, and the screening process required for each attorney in their network.


    ACLDN

    Background

    In 1988 Marty Hayes founded the Firearms Academy of Seattle (FAS). Since then, he has been teaching others self-defense and safe firearms handling, as well as testifying as an expert witness.

    Marty is an expert when it comes to how to protect yourself should a situation arise where you need to use a firearm for defending from serious bodily harm or defending your life.

    Marty also has a law degree and was previously in law enforcement. It was during law school that Marty realized that something like a “protection network” was needed for people caught in situations where they were charged with a crime.

    Rundown

    Realizing the only issue in creating this network was funding, Marty decided that he would take 25% of the membership fees from FAS and fund his “network” to assist defendants. Today his fund is over $1,000,000 and growing.

    The Armed Citizens Legal Defense Network has only one level of membership.

    Price:  $135/year ($95 to renew)

    The membership includes up to $25,000 for bail and up to $25,000 for initial representation by a criminal attorney. Network members also have access to additional grants of financial assistance from the Network's Legal Defense Fund if they face unmeritorious prosecution or civil law suit after a incident occurring during their period of membership.

    A member can use an ACLDN-affiliated attorney, or they can use an attorney outside the ACLDN network. A member is not required to use an in-network attorney.

    In addition, a 235-page book and 8 DVDs are provided to members for education on how to safely handle your firearm in any situation and self-defense training. Their website also provides a plethora of educational material as well.

    A portion of the membership fees go to Legal Defense Fund. This Board is made up of an advisory board of experts in the field of firearm safety and handling. The Board aids in court as expert witnesses or consultants for attorneys.


    Education and Training

    The focus of ALL of these concealed carry insurance plans is education and training first, the insurance coverage is there as a last resort.

    Knowing how to respond in a stressful situation is key, understanding your rights, knowing when it is time to defend yourself, these are all very important concepts that pretty much all these programs offer. However, each differs greatly in price, coverage, and educational materials.

    We suggest picking a plan that offers more than just the minimum coverage, but also bonus features that include training and education.


    Conclusion

    We Give USCCA 5 Stars!

    Armed with all the above information from my research (pun intended), I was happy to choose a USCCA membership for my concealed carry insurance. My USCCA membership helps give me peace of mind knowing that I will have the best legal team on my side to help out when needed.

    USCCA memberships are the most versatile as far as budget, has great coverage, offers tons of options for training and educational materials, and has a passionate founder committed to protecting gun owner’s rights. USCCA stood out in a crowded field as providing the most value to its customers. As many USCCA reviews find, it stood out as a winner!

    USCCA's fees are affordable; at $30 a month for their Platinum plan, that is basically less than 2 boxes of hollow point ammo …and totally worth the peace of mind that comes with becoming a member of USCCA.

    If this review of USCCA was helpful, please use the buttons below to share with your friends!

    21 thoughts on “USCCA Concealed Carry Insurance Review (2019)”

    1. could I possible get more in-depth info on this subject,excluding THE NRA(I have there info)…….thank you…..

    2. Good article, but I think you are mistaken about the Armed Citizens Legal Defense Network. You said they pay “up to $25,000 for a criminal attorney.” True, this money is paid right off the bat, but if you have a legitimate self defense claim, they will spend up to $750,000 to defend you.
      You also said that only USCCA pre-pays for legal defense fees (other companies wait for a “not guilty” verdict), and only USCCA covers weapons besides firearms. In fact, Armed Citizens Legal Defense Network pre-pays legal fees and covers self defense situations besides firearms.
      I hope you would check out the ACLDN website for more info. It’s truly the best value for your money.

      1. Thanks Trevor! I’ll do some investigating and update the article later this week or next with what I found.

      1. Hey Michael…if one of you has a membership you can call USCCA at 800-674-9779 (or visit your USCCA membership dashboard) and get the spouse the same coverage for a small fraction of the price of a full membership.

        1. Why cant anyone just come out and say how much extra it costs to include a spouse. Im not going to give them a penny until i know. It seems like its some kind of big secret. This makes me think its a scam

          1. You can contact USCCA at 800-674-9779 and ask them. I know the price starts around $77/year and goes up based on the plan you choose. But they could give you more exact numbers.

          2. Brian Smithfield

            I know this is an old post but this is the 3rd article/person promoting this company. As a career insuramce agent, you need to request the actual policy/contract and not go off someone promoting the insurance carrier. One thing is for sure, this company spend is alot on advertising. They are the top on every search and I would guess those revie6winf are paying zero for their coverage or could be paid a few to write an article. So most are biased reviews. Just look at the reviews and comments.
            I should do a full analysis of each contract. Maybe this is the best but you have to do your homework as they are all more expensive than i would have thought.

    3. Your case manager will also instruct you to have a check prepared for your bail in the event you end up being arrested after speaking with the police . What if you don’t have the money for bailout?

      1. Thanks for the comment. I will correct it to be more clear and say “Your case manager will give you instructions and prepare your bond”. One of the benefits of USCCA membership coverage is it is 100% upfront coverage.

    4. I have a question, what if you are traveling in another state (where your permit is honored), are you covered as well?

    5. I would like to see a conceled weapons insurance that did away with all the e mails magazines training films stories and the blah blah blah. i want ins. that covers me from beginning to end and all points in between.Just insurance,

    6. I am a concealed carry instructor and I am looking for liability insurance. If I am understanding your membership correctly it would only cover me personally. Do you have instructors insurance?

    7. Great article! I appreciate the time and research you out into it.
      I’ve had a CC for 2 yrs. now and just haven’t got around to getting insurance yet.
      I am retiring this summer and won’t be as restricted as to CC (school teacher and can’t even have a gun in the car), so I feel the need to get something soon.

    8. I live in the wussy State Washington and us to belong but was dropped. Has that been corrected where we can rejoin?

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