In the wonderful world of concealed carry, there’s also the ever-present topic of “CCW insurance.”
If you ever find yourself needing to use your firearm in self-defense, the last thing you want to worry about is dealing with the potential lawsuits afterward…
Because, surprise…that fancy umbrella policy you have on your home (probably) doesn’t cover the use of firearms.
That’s where CCW insurance comes in!
Okay, so technically it’s self-defense protection, rather than “CCW insurance.”
Whatever you call it, companies like USCCA and CCW Safe, among others, offer insurance to individuals to help cover the costs that arise from using your firearm in self-defense.
But who should you choose for your insurance?
Today, we’re taking a look at Right to Bear to see what they offer, and how they compare to the competition. By the end of this article, you’ll know whether this protection is right for you.
Disclaimer: I’m not an insurance agent and you should double-check everything in your policy since things get updated.
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What’s Included in a Right to Bear Policy?
Update August 2022: Right to Bear updated its policies so there’s only one tier that has unlimited legal defense for both criminal and civil defense.
Practically speaking, what the coverage actually does is help pay for your trial defense if you are sued in civil or criminal court (or both!).
If you are found guilty in civil court, then the policy would cover all attorney costs you would have to pay during that trial.
If you’re found guilty in a criminal case for your self-defense incident, Right to Bear would not try to recoup costs from you. This is a big difference from some other providers who will claw back fees.
It’s also important to keep in mind that for most types of coverage, Right to Bear provides the cost up front, rather than reimbursement.
This is a big deal to some people since these costs can add up quickly. It’s definitely something to keep in mind when shopping for insurance.
In addition to the boring legal stuff, Right to Bear also offers a 24/7 hotline, as well as training videos and webinars on self-defense tactics.
Although we’re a gun-centric blog…it’s great to note that Right to Bear covers all legal weapons.
They also provide weekly educational features on what to do in self-defense situations. All of this is just icing on the insurance cake to keep your skills sharp when you’re not out on the range.
We also secured a 15% off coupon for our readers with code PEWPEW15.
Prices accurate at time of writing
Prices accurate at time of writing
-
25% off all OAKLEY products - OAKLEY25
Copied! Visit Merchant
Right to Bear Insurance Plans & Add-Ons
The biggest deciding factor for most people in choosing which insurance to get is the price. Right to Bear had a tiered system before that made you choose the amount of protection.
But now it’s one price for unlimited coverage. Current rates are $11/month.
Like most insurance providers, they also offer one-time annual fees of $125 that saves you $7 compared to the monthly price.
Use code PEWPEW15 to get it down to $106 for a full year.
Out of those other benefits I’m really digging psychological support and expert witness coverage. And not listed there but is on the site under “Education” is Gun Replacement…they will replace your gun if it is taken after a self-defense incident.
In addition to the monthly fee, you can also choose to tack on additional benefits:
- Additional Associate Coverage: $105/Year
- Multi-State Coverage: $35/Year
- Bail Bond Coverage: (Up to $100,000): $35/Year
- Minor Household Children: $35/Year
Out of all those I opted for Multi-State Coverage since I travel a decent amount. Bail Bond Coverage is also so I can get home and spend time with family while the courts deal with everything. And finally Additional Associate Coverage for my wife since we have a home-defense plan where she is also armed.
Right to Bear vs. Other Companies
With lots of other companies providing similar self-liability insurance or self-defense protection, deciding on which one to go with for your insurance comes down to what you’re looking for.
Without getting into too much detail comparing Right to Bear with the other guys (check out our comparison article to get a better idea), they have an edge by offering unlimited coverage for both civil and criminal liability.
And no recouping of fees if you’re found criminally guilty.
Whatever your needs and wants, just make sure you are making an apples-to-apples comparison. That ensures that you can get the best bang for your buck and still meet all your insurance needs.
Final Verdict
At the end of the day, it’s better to have any policy than none at all.
And if money’s tight, $11 with no add-ons with Right to Bear would be better than continuing to stuff your money under the mattress.
And of course remember to use code PEWPEW15 for 15% off.
So what’re you waiting for? Go sign up. Get protected.
Here’s all the info again:
Prices accurate at time of writing
Prices accurate at time of writing
-
25% off all OAKLEY products - OAKLEY25
Copied! Visit Merchant
What do you think of Right to Bear Insurance? Let us know in the comments below. For more on concealed carry insurance, check out our Top Choices for CCW Insurance.
10 Leave a Reply
Why, in March of 2023, does Palmetto State Armory no longer show Right To Bear Self Defense policy on their website???? Last year, they were pushing this plan and now you no longer see it offered. If you search Right to Bear on PSA's website, it does not show any information. Pretty strange.
Working on cancelling my Right to Bear membership.
Why?
I signed up Nov 22, and today is Dec 9.
Their “industry discounts” were not made available until I emailed customer support.
Their “legal document” link led to a “not found” link.
When I asked about the “full curriculum of self defense videos and articles”, it was clarified that I only had access to a 12 minute YouTube video and 2 short documents.
Lots of holes in the website and customer service being able to answer questions but not address concerns has led me to request a cancellation.
To their credit, the customer service responds quickly over email.
Not shopping for a holster or even a gun here, but I’m buying hundreds of thousands of dollars of coverage to cover me in what I would consider is a very scary and stressful scenario.
I’m looking for support I can rely on, and the bare bones website as well as exaggerated marketing claims has crashed my belief.
Just completed my 1st year with CCWsafe and thank goodness I did not need their legal services. However, I contacted them when planning to travel out of state regarding concealed carry laws. They gave me INCORRECT information and recommended I keep my firearm in the trunk of my car while travelling through this state. A simple search on the state police web page revealed this was not necessary and I was able to have immediate access inside my vehicle, if needed. At $700+ for premium coverage, its not too much to ask for competent legal advice to minimize my risk, both legally and physically. Needless to say, I'll be cancelling that policy.
I chose Right To Bear because unlike most of the other players in this space, Right To Bear offers civil damages coverage even on the smaller levels and gives me the choice of an attorney! I also love Palmetto State Armory! Right To Bear provides discounts at Palmetto State Armory with the purchase of a membership!
Really I don't understand the need for ccw insurance, in a constitutional carry state that has self defense & castle laws, amongst others that are supposed to protect you in the case of self defense. most insurance's are a racket anyway. they say they cover this and that, but when it boils down to it, and you are sitting in jail for self defense they won't even show up, or do what they promised you. They say they will but won't. so to iterate do not sign anything without thoroughly reading through the contract. remember lawyers don't care about you just your wallet. In my opinion lawyers, and corrupt politician's are the biggest problem with this country. This is not intended to offend anyone it is just my opinion. Thank you and God Bless
The 'Right to Bear' insurance is not what you want. You can do better, for example, CCWSafe coverage is unlimited defense coverage for criminal, civil, and administrative proceedings. and the 'Right To Bear insurance' is limited, and reletaively, the CCWSafe is a little cheaper if the greater coverage is considered.
I have CCWSafe, most of the people I know went with CCWSafe, and a few have to actually use it and it really came through for them.
So shop around. I recommend CCWSafe, will not let me post a whole link here but in your browser just do 'ccwsafe' (without the single quote marks) and add a . (dot) then 'com' without the single quote marks). Also see the post from Matty below, he's right.
I have them, as well, but you have to purchase civil coverage separately. How does that make it cheaper?
Lawyer here. Without getting too deep into the weeds, I’ll just say that the lower tiers of this aren’t worth what you’ll pay in premiums.
Additionally, disclaiming any coverage if you lose your criminal trial is pretty sketchy. Defending that kind of case will probably cost you $30k or more out of pocket. Real insurance would cover your defense costs on the front end; this is more like a refund if you’re fortunate enough to convince a jury that you were acting within your rights.
Can you clarify? Should one pay for a higher level of coverage, or are you saying it's a pointless venture?
I am an attorney and happen to be a Rep for Right to Bear as well. I think any level of coverage from any of the three main insurance providers in this space would benefit most gun owners. The reason I chose to represent Right to Bear is because of their excellent customer service, the unlimited up front civil and criminal coverage up front (not a reimbursement plan), and the fact that they will not attempt to "claw back" any coverage in the event that you are found guilty in a prosecution. Also, the value! Right now, the value of coverage offered by Right to Bear is unbeatable. But do your own homework, contact me if necessary, and get quality coverage from a reputable provider.