What You Need to Know About the Included NRA Insurance

UPDATE: This article is no longer relevant as the NRA no longer includes this membership benefit for members. Sorry!


First things first, if you haven't already joined the NRA you can get a small discount by clicking here.

The National Rifle Association is the number one gun rights lobbyist group. A large majority of our own readers and customers are members of the NRA but I'm always amazed when I find out how few of them have activated their no-cost insurance.

nra insurance benefits

As a member of the NRA you have access to a $2500 of “ArmsCare Coverage.” This insurance protects your legal firearms and their attached accessories, such as scopes, rings, mounts, slings and sling swivels, up to $2,500 in value.

Once you have activated your coverage, you have protection for your firearms and accessories from damage, fire, theft (including theft from a locked vehicle), and loss.

In order to receive the insurance coverage and benefits you do not have to provide a list of firearms or accessories and you do not have to provide any serial numbers.

The best part is that this is included as part of your existing membership with the NRA but ONLY if you activate the coverage. By default, just by joining the NRA you will not have coverage or receive the benefits unless you take the proper steps to activate it.

–>Click here to learn more and activate

If you are already a NRA member and haven't already turned on this free coverage I would encourage you to do so today!

On that website if you choose you can also see the other offered insurance options that are not included in membership and have incremental costs. It is worth knowing what all the options are.

About Jacob Paulsen

Jacob S. Paulsen is the President of ConcealedCarry.com. ConcealedCarry.com provides in-person and online firearm training for American gun owners. The Company is currently teaching in-person classes in 25+ states with a team of more than 55 instructors. Jacob is a NRA certified instructor & Range Safety Officer, USCCA certified instructor and training counselor, Utah BCI instructor, Affiliate instructor for Next Level Training, Graduate and certified instructor for The Law of Self Defense, and a Glock and Sig Sauer Certified Armorer. He resides in the Rocky Mountains of Colorado with his wife and children.


  1. Don on March 2, 2016 at 2:32 pm

    But if a family member Steals it, and does what ever with it. With out a Police report. The insurance won’t pay. And the Police Won’t do a report, because it’s family. So A mentally disturbed family member can do what ever they want with Your stolen firearm. And when a crime is committed with that stolen firearm, guess who gets arrested . The legal owner. Whom probably didn’t even know one of his guns were taken out of his Locked safe.. Some where we need to get better laws for the mentally challenged and legal owners who follow the laws of the land. Thank you.

    • Kelly on October 15, 2017 at 9:36 pm

      You need to stop making excuses for family who steal guns when ever there is a criminal in the family there is always someone who made excuses for them and never disciplined when they were growing up into criminals. Police will arrest family who steals but you have to press charges it’s called tough love.

      • gary kohfield on April 16, 2022 at 10:33 am

        I don’t think he made an excuse for the family member. he’s saying if that family member kills someone with his weapon that he doesn’t even know is gone that he may go to jail for that family member being a idiot….

        • gary kohfield on March 15, 2024 at 1:21 pm

          I’m Gary kohfield and I never said what this post is saying.
          this post is a lie!!!!

          • Jacob Paulsen on March 18, 2024 at 12:30 pm

            this post is super outdated

  2. Jim Fiorella on November 12, 2016 at 6:13 pm

    The NRA has a lot of balls wanting a list of your firearms when they fight tooth and nail against governmental lists. This is just another rip-off and out by the NRA by them advertising “free” insurance and then REQUIRING sensitive information to activate it. Anyone out there ever heard of hackers? If it’s legal, there’s a paper trail to trace it to you, notwithstanding the Official Police report you file upon theft. SHAME ON YOU NRA!

    • Dr. Renese Garcie on August 15, 2018 at 2:02 pm

      That’s interesting. Just above this comment (on the very same page, with only a couple of flicks required by me to scroll down to your comment) the information clearly states that they do NOT require a list of your firearms or serial numbers. Did something change…..?

    • billdeserthills on May 12, 2019 at 1:49 pm

      The NRA is only requiring of you the same info any insurance company needs in order to insure your property, but they aren’t charging you a penny to cover $2,500 worth of your property

    • Robert Gentile on April 8, 2020 at 8:54 am

      They didn’t ask me for any serial numbers so it is more to protect them from you.
      Any and all insurance has to know what they insure for a claim. What’s to say a few months down the road you claimed a $1000 gun was stolen that you never had.
      Call your auto insurance agent and tell him your new car was stolen that you paid cash for and ask for $thousands to be covered??? Tell him it was in the driveway and you weren’t driving it so you didn’t tell him about it.
      Good luck????

  3. Tom Hooker on August 25, 2017 at 10:01 am

    Jim Fiorella, I just activated the insurance. The only thing they asked about my guns is if the total value is over $1500.

  4. Jac Hassler on April 30, 2018 at 9:52 pm

    I struck out trying to activate my free $2500 gun insurance since joining NRA. I cannot find any info on how to do it. Anyone out there who can give me the info on how to activate my gun insurance? Jack

  5. jim massey on July 7, 2018 at 10:50 am

    i can not find how to activate my free firearms insurance please activate for me the number on my nra card is ####### thanks

    • Joshua Gillem on July 9, 2018 at 8:53 am


      Thanks for the comment, I edited your comment to remove your NRA number as it is personal information. Also we do not work for the NRA or know who handles the insurance activation. I suggest reaching out to the NRA directly.

      Thanks again,


      • Kelly Fitzgerald on June 1, 2023 at 9:34 am

        just an FYI i dont think those are considered PII as i have to list mine as an instructor not to mention you can look it up on thier site to validate credentials.

  6. Johnnie Brown on August 27, 2018 at 2:29 pm

    All I get is webpage cannot be found. I was trying to activate the $2500 insurance
    that you offered. I am a member now.

    • Jacob Paulsen on September 14, 2018 at 3:37 pm

      Johnnie, we are not the NRA so we aren’t the ones offering it. Sorry the link didn’t work for you. It could be that they no longer offer this benefit or something as I can no longer find a web page where members can claim this benefit.

      • MAXWELL Douglas CARTER on October 21, 2020 at 10:20 am

        They canceled this program in 2018 without notifying anyone.

  7. ted on January 2, 2019 at 5:26 pm

    ArmsCare is not free. A new account has a $20 admin fee.

  8. Cheng on January 18, 2019 at 7:44 am

    If you dig far enough on the NRA website you will find a note with words similar to “We regret we are no longer able to offer free insurance coverage to new members.” NRA Recruiters were notified in May 2018 to no longer mention insurance coverage. Exactly when this went into effect is unclear. As a Benefactor Member mine remains in force (probably all Life & above) according to one individual at NRAHQ in Fairfax. I cannot say what the situation is for annual or multi-year members. But I’d be careful not to let that membership lapse.
    Among the possible reasons for this is serious overspending during the campaign (justified in my book) or NY Gov. Cuomo’s “weaponized regulatory agencies” threatening insurance companies and other financial institutions who deal with the NRA.

  9. Fred on September 21, 2019 at 4:36 pm

    The NRA dropped their Carry Guard insurance. Buy from a reputable Concealed Carry Insurance company. The NRA is only in it for the bucks!

    • Bill Road on July 10, 2020 at 4:05 pm

      They don’t offer SHIT with their membership!just that they are going to defend your 2nd ammendend rights!well maybe!
      Good thought anyway!

Leave a Comment