What Is CCW Insurance?

CCW Insurance, also known as self-defense insurance, is a type of legal defense coverage that protects gun owners from the costs of a criminal or civil defense in the event that they are involved in a justified use of force incident. Unlike homeowners insurance, which typically covers incidents that involve unintentional property damage or accidents involving a firearm, CCW insurance is specifically designed for legal gun owners involved in a defensive situation involving a concealed weapon.

While many ccw insurance some sort of legal protection is important, some are skeptical that it is worth the cost of the monthly premiums. In a worst-case scenario, defending against charges for a justified self-defense incident can quickly add up in legal fees and potential fines. This is why many gun owners choose to invest in a plan like this, which provides funds for expert witnesses, trial expenses, and an attorney paid for by the insurance company.

Is Concealed Carry Insurance Worth It? Pros and Cons

Most CCW insurance plans offer a similar range of services, with some providing up front payments for defense costs and others requiring that members pay back their premiums if they are convicted of a crime or sued for their involvement in a defensive incident. Our picks are Right to Bear and USCCA, but the best CCW insurance plan for you depends on what you want in a defensive package.

If you’re looking for a budget-friendly option, Right to Bear offers a good choice at $17/month or $185/year. This plan includes unlimited criminal and civil defense without any arbitrary limits, as well as coverage in all states (except New Jersey, New York, and Washington).