This post shows up early and often for searches on “self defense insurance.” It’s a good post, and I’m proud of how it’s helped a bunch of people find the concealed carry insurance that was right for them.
But that post covers just the lower-end of the spectrum, not the “Cadillac” plans, and so I thought a follow-up post might come in handy so people can see for themselves how things shape up at the top end of the scale, and compare USCCA Elite CCW insurance versus NRA Carry Guard Gold Plus concealed carry legal insurance.
As always, remember that I am not lawyer nor do I give legal advice. Both companies post copies of their policies on their websites, and I urge you to read them over very carefully before you sign up for anything.
NRA Carry Guard Gold Plus
Aside from all the benefits listed below, NRA Carry Guard Gold Plus comes with a one-year membership in the NRA. The NRA also recently had a “Carry Guard Expo” featuring training opportunities and a trade show, and instructors can also add NRA Carry Guard training to what they teach.
Coverage costs EITHER $550 a year OR $49 a month, and the NRA is promoting Carry Guard very heavily right now. The NRA’s coverage is “first dollar” coverage: You will have to pay for your lawyers in someway, then, if you are acquitted, the NRA will reimburse you. NRA CarryGuard also covers your spouse if they need to use a firearm to defend a life, and it covers firearms only, not the use of other means of lethal force.
USCCA Self Defense Shield Elite
USCCA membership comes with a subscription to Concealed Carry magazine (my first article for them should show up early next year), and coverage costs EITHER $497 a year or $47 a month. The USCCA puts on a “Concealed Carry Expo” each year, and has so for the past four years. The USCCA also has their own cadre of trainers with their own training program as well.
USCCA self-defense insurance covers your spouse and also covers anyone under the age of 21 in your household if they need to use lethal force to defend a life. They cover most means of lethal force (knives, pointed sticks, fresh fruit) as well as the use of a firearm. The USCCA’s coverage starts immediately, which means there is no out-of-pocket expenses incurred by you up to the limits of your policy if you are acquitted.
|NRA CarryGuard Gold+||USCCA Elite|
|Monthy Fee OR||$50||$47|
|Yearly Fee (Not Both)||$550||$497|
|"First Dollar" Coverage||No||Yes|
|Spouse Also Covered||Yes||Yes|
|Wage Compensation While In Court||Yes||Yes|
|Choose Your Own Attorney||Yes||Yes|
|SIGN UP||SIGN UP|
Usual Disclaimer: I am an NRA member, though not a Carry Guard subscriber, and I am an affiliate of the USCCA.