NRA Carry Guard Versus Other Self Defense Insurance Plans

The National Rifle Association has finally decided to get serious about the post-incident legal protection and launched NRA Carry Guard, their new product to compete against the United States Concealed Carry Association and a host of others.

There was bit of a controversy last week over the NRA rescinding the invites of competiting products to the Annual Meeting, and let’s face it, the timing kinda stunk. However, given the high-profile placement that NRA gave to their revamped and re-launched self-defense insurance product at the Annual Meeting, I can see why they didn’t want any competition on the floor

Did I mention that they went high-profile with this?

I wasn’t kidding. This was what we saw when we walked into the convention center…

NRA Carry Guard Advertisment

… and this was the primary entrance to the show floor itself.

NRA Carry Guard Review

Subtle, they are not.

But how does NRA Carry Guard stack up to all the other post-incident legal plans out there? Fortunately for you, I’ve written about this sort of thing in the past, so I can attempt some sort of apples to apples comparison of all the plans out there. All the information on this comparison chart was created from either from what was on each plan’s website or from talking with representatives of each plan in-person or on the phone. As such, there are some gaps, as I’ve not managed to pry some info out of the a few of the companies on this list, and I recommend you read your policy very carefully before you sign anything*.

Comparing NRA Carry Guard To Other Plans

 CCW SafeSecond Call BasicTexas / U.S. Law ShieldUSCCA SilverArmed Citizens NetworkSelf Defense
Association Gold
NRA Carry Guard Bronze
Bail$25,000 / $250,000$1,000 / $10,000$2,500 / $25,000$2,500 / $25,000$25,000 + Merits10% of Bail$2,500 / $25,000
Your Own Attorney-YNYYYY
Criminal DefenseY$10,000Legal Fees Only $50,000$25,000 + Merits$100,000 Combined$50,000
Civil DefenseYNLegal Fees Only $250,000 CombinedBased On Merits$100,000 Combined$250,000 Combined
Civil DamagesNNLegal Fees Only $250,000 CombinedBased On Merits$100,000 Combined$250,000 Combined
Expert WitnessesYYNUp To Coverage LimitsY-Y
"First Dollar" CoverageYUp To $2,000YYYYN
Cost$129/year$9.95/mo or $119/yr$16.85/mo or $202.20/yr

+ $19.95 setup
$13/mo or $147/yr$135/yr$15.92/mo or $179/yr$13.95/mo or $154.95/yr

How does NRA Carry Guard stack up? Well, as a self-insurance, it’s right in their with the rest of them. I’m glad to see them get serious about this product because they’ve been leaving money on the table for a long time now and others have jumped into the fray with some pretty good results.

* As always, this is where I tell you that I, personally, have ACLDN, and that I am a USCCA Affiliate. Take that, FTC. I’m also not a lawyer nor an expert in this sort of thing, so take anything I say here with a lick of salt or two (lime and tequila optional), and be sure to run the documents for your policy of choice by a professional before you sign up for anything

This Post Has 10 Comments

  1. Could you explain the “any weapon” comparison? I went to the NRA and USCCA links from your chart and really could not find a clear answer on this. Does that mean you get limited coverage depending on what type of firearm you used in your defense? Or is it only concerned with replacement of police confiscated firearms?

      1. Ah, so some policies only cover you if you use a firearm in self-defense. Good to know. Thank you for the clarification.

  2. Subtle, they are not.

    This was the biggest issue for me. It almost felt like NRA stopped being a membership organization and turned into a slightly slicker version of Ned Ryerson for the weekend. One of the staff members we needed to talk to about member service-related topics said something in passing that had me concerned – he couldn’t talk long because he was supposed to be out selling Carry Guard. If they were asked to cut short engaging with members about actual topics related to the mission to focus on sales, then that’s a big problem.

  3. Great breakdown, thank you. What I see missing is Instruction. The NRA placed an e mail to Instructors that there would be more info in June regarding instruction. There will be NRA approved instruction required? Not one of the current approved classes, AND, tied to a specific firearm.?

    With National Reciprocity being bantered about again, my theory is “Insurance” might be linked to the ability to carry across the country. So a CCW from your state AND a minimum insurance requirement. Many elected officials have long looked for this coverage.

    This would also allow the NRA to get out of the Legal Defense Fund business. (People often think the NRA should pay for their defense, right? )

  4. I am really sorry to have missed the NRA annual meeting this year with this launch. I also just received my American Rifleman with the special Carry Guard cover over the actual cover. Great summary and comparison of the “insurance” side. In my browser there is no header for the column between the Texas Law Shield and the ACLDN, though.

    I’m also interested to learn more about the “most comprehensive training program ever developed for those who carry firearms.” I assume there is going to be instructor development through the NRA training division, but I haven’t heard anything about that yet. Would seem you would want to have trained the trainers before the launch, unless the training is going to be the Personal Protection Inside/Outside the Home Classes that already exist. Did you hear anything about it?

  5. Please update the comparison chart to reflect a $25,000 up-front retainer for legal representation, not $10,000.

    Marty Hayes, President
    The Armed Citizens’ Legal Defense Network, Inc.

  6. My wife and I have been members of Texas Law Shield for sometime, and will continue to be so. We both like the idea of attorneys for both criminal and civil having no cost. There are a few gaps in what we have such as no payment coverage for a civil award, and not a higher amount covered for bail. I called Carry Guard because I liked that there are amounts that they would cover for civil damages, but what did surprise me was that they would not cover bail money if I had bail coverage with Texas Law Shield. I was hoping if I ever had to use this, at least I would be able too increase this coverage. By the way, I did ask this question twice and got the same answer. At this point, I am not sure if I will be adding this new coverage.

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