CCW Insurance comparison chart

[Megalomegalodon]

Found this pretty good in comparing insurance companies.

https://www.concealedcarry.com/self-defense-gun-owner-insurance-programs-compared/

[SoCalPI]

Nice find.

[71MUSTY]

Should be a sticky

[Notpc]

Yep, sticky please!

[Jeepergeo]

Read carefly. For example, Second Call's liability coverage is $50000 per claim and $300000 total. Unless you expect many claims, the policy is unlikely to ever pay its limits.

[artb]

Very valuable document.
Thanks man!

[snapshot7]

Good source of information.

[TurboChrisB]

GREAT find, thanks OP. Pretty much solidified my choice with CCW Safe with the exception of no civil damages which gives me a LOT of pause being here in CA. Think I might have to consider more coverage or changing my provider all together. Interesting that the plans that includes it are $500 a year min. USCCA seems to be the only other one worth considering imo.

A couple of those really suck! LOW coverage! Criminal defense fees up to $150k? They should be ashamed of themselves. And NRA is reimburse not upfront? Worthless.

[Chewy65]

GREAT find, thanks OP. Pretty much solidified my choice with CCW Safe with the exception of no civil damages which gives me a LOT of pause being here in CA. Think I might have to consider more coverage or changing my provider all together. Interesting that the plans that includes it are $500 a year min. USCCA seems to be the only other one worth considering imo.

A couple of those really suck! LOW coverage! Criminal defense fees up to $150k? They should be ashamed of themselves. And NRA is reimburse not upfront? Worthless.

I haven't the time to review the accuracy of that chart, but one thing is misleading. Just looking at details of the NRA policy the web site says:

Instant access to payments for bail, bonds, legal retainer fees, and legal referrals.

I would have to read the policy language to say better what is meant by "instant access", but it isn't clear that it is reimbursement.

One thing to watch out for with any plan is what happens if you plead or are are found guilty upon trial of any crime. The last I looked one of the most popular plans wouldn't pay anything. Read the details of the actual policy before buying.

[riceman]

Thank you op very informative chart. Tagged.

[ACfixer]

I agree CCW Safe and USCCA seem to be the best choices bases on that chart. If you have assets, then I think you have to nut up and get USCCA for the civil liability coverage.

I had an interesting chat with a customer of mine who is a State Farm agent, he said they offer CCW coverage... haven't got into detail yet what that actually means as I have AAA and not State Farm on my property.

[Slater1]

Carry Guard

I just got off the phone with Lockton Affinity NRA/Carry Guard and was told:

"State of California does not allow us to pay up front for bail and for attorney retainer." Nothing upfront allowed by California law.

[Yugo]

saved. thank you!

[Slater1]

GREAT find, thanks OP. Pretty much solidified my choice with CCW Safe with the exception of no civil damages which gives me a LOT of pause being here in CA. Think I might have to consider more coverage or changing my provider all together. Interesting that the plans that includes it are $500 a year min. USCCA seems to be the only other one worth considering imo.

A couple of those really suck! LOW coverage! Criminal defense fees up to $150k? They should be ashamed of themselves. And NRA is reimburse not upfront? Worthless.

I talked to Carry Guard the other day and they said to me "California will not allow us to pay any legal fees, bail, etc., until after adjudication of the case." So you are correct "no up front fees." Too bad they did not tell me that last year when I purchased the policy.

[ACfixer]

CCW safe is still the best coverage best I can gather.