With the explosion of gun sales and the rapid growth in the number of first-time gun owners in 2020, the demand for insurance products for gun owners has skyrocketed. The good news is there are a number of excellent options on the market that can step in and help you during one of the most difficult times in your life.
Legal protection is important whether you carry a gun or not. Gun owners can and have been charged with crimes or sued as a result of defending themselves in their own homes.
Picking the right plan for you is an important choice. Very few gun owners have the financial ability to adequately and successfully defend themselves in court if they should have to use their firearm in a self-defense situation. That’s why it’s important to have a good company behind you should you have to defend yourself in a criminal or civil action.
The question is, which plan is best for you? Each company’s product is designed and set up slightly differently and it can be daunting to wade through them all, trying to determine the best choice for you. So with that in mind, here’s a rundown of the top five options.
U.S. LawShield (Visit)
What originally started in Texas as Texas LawShield, U.S. LawShield has grown exponentially to become the largest provider of self-defense legal services for gun owners in America. This is largely due to the fact that U.S. LawShield arguably gives its customers the most coverage for their dollar, with unlimited benefit plans starting at $10.95 per month.
Unlimited criminal and civil liability coverage gives members peace of mind, knowing that no matter what’s involved, U.S. LawShield will be there to defend them with zero out-of-pocket attorneys’ fees for covered incidents. U.S. LawShield members even have access to network attorneys for non-emergency questions at no additional cost.
U.S. LawShield’s low monthly rate allows members to customize their coverage, adding features such as 50-state coverage, bail bond and expert witness expenses, coverage for minor children, hunting and fishing protection, identity theft coverage for lost or stolen guns and more.
United States Concealed Carry Association (USCCA) (Visit)
USCCA is the number two provider in the space in terms of number of members. While their monthly cost is more than U.S. LawShield’s (starting at $22 per month) they provide a wide range of additional services such as a monthly magazine and online training resources.
USCCA limits coverage of criminal defense expenses to $250,000 and civil liability defense costs to $2 million. On the plus side, they pay legal expenses for covered incidents up front provide a $750 per diem during a trial.
CCW Safe (Visit)
CCW Safe’s plans start at $16 per month and features unlimited coverage for both criminal and civil defense. They allow you to choose your own attorney (with CCW Safe approval) and have a generous bail coverage feature. CCW Safe’s per diem payment is $250 per day.
Second Call Defense (Visit)
Second Call Defense’s plan start at only $9.95 per month for a very limited plan. Three other tiers of coverage are available with different levels of benefits depending on your needs. Second Call has lower benefit limits than the other plans in this comparison, limiting criminal defense to a maximum of $100,000 and civil liability defense to $1,250,000.
Second call will allow you to choose your own attorney, pays expenses up front and will pay a $500 per diem during trial.
Armed Citizens Legal Defense Network (ACLDN) (Visit)
ACLDN’s coverage starts at $12 per month and features coverage based on a percentage of ACLDN’s overall fund. ACLDN pays the member’s attorney $25,000, then additional expense reimbursements are approved by the company’s review board.
Benefits are available up to a maximum of half of their total defense fund, whatever that fund total may be at the time. The plan has a variety of terms and conditions that prospective members should be sure to understand before joining.
|U.S. LawShield||USCCA||CCW Safe||2nd Call Def||ACLDN|
|Criminal Defense Limit||Unlimited||$250,000||Unlimited||$100,000||Unlimited*|
|Civil Defense Limit||Unlimited||$2,000,000||Unlimited||$1,250,000||Unlimited*|
|Non-Emergency Member Attorney Access||Yes||No||No||No||No|
|Bail Bond/Expert Witness||Optional||Yes||Yes||Yes||Yes|
|Gun Owner ID Theft||Optional||No||No||No||No|
|Any Legal Weapon||Yes||Yes||Yes||Firearm Only||Yes|