The Importance of Having Self-Defense Insurance Just Went Up

Recent history shows that the America we love is in chaos. Things have fundamentally changed so much in 2020 that's it's hard to see where we're going, and maybe it's old age setting in, but I'm having a hard time remembering the way it has been up to this point.

Everything is different, to include what it means to defend yourself. No more is it acceptable to pull your gun out in self-defense, even if all signs point to a justified use of force meaning that the gun was necessary to save your life.

We've seen this play out more than once this year and the outlook isn't good. Of course, we have been moving in this direction for a while, but this year, 2020, seems like the year everything changed.

If there is one thing I've learned so far, it's that if you go against them you'll end up paying for it, sometimes with your life.

They either want you to have permanent life-altering damage to yourself (like getting hurt or going to prison) or to your home (like your home is damaged in some way), or they want you to die.

There is no longer an in between. The clear cut line between right and wrong has been skewed beyond belief and what was once considered to be the social norm is now anything but.

It is now totally fine to burn buildings to the ground, assassinate police officers, beat civilians to a bloody pulp, riot, loot, and deface property, but it is not okay to defend yourself from an angry mob of people who are trying to hurt or kill you.

The saying that I'd rather be judged by 12 than carried by 6 uttered by so many gun owners in previous years really has no merit anymore.

Why? Because if they can't make sure you're carried by 6 (meaning in a coffin), then they'll be sure to ruin your life to the fullest extent, before throwing you in prison for the rest of your life.

Their goal is to either kill you or ruin your life so you cannot have any sense of normalcy.

I took all that time just to say that things have fundamentally changed in this country, and it's never going to be how it was, ever again.

And that, by the way, is what they're after. They want change, and they're forcing it upon us. They want change at any and all costs.

If you came here looking for answers to this dilemma, please know that I have none. All I can say is make sure your ducks are in a row. Avoidance is the best policy against turbulence, but this won't always be possible.

At this point in the game, the things you think you might do if confronted may have changed and while you should still try to have an idea of how you'd react, all self-defense encounters are fluid and entirely different from each other.

Finally when I said have your ducks in a row just a moment ago, what I meant is that you need to have your strategy laid out for what you're going to be doing after the fact.

Don't be caught with your pants down without legal counsel after the use of deadly force. Have a plan beforehand so you can win the battle in court, the same way you won the battle on the street.

Have a lawyer willing to represent you, or use one of the many self-defense insurance companies like these found on our chart to help you.

It is even more important now than ever before in the past to have a plan and be trained up to the best of your ability. It's also more important than ever to have this coverage. I've personally got US Law Shield right now, but have a feeling I'll be switching to CCW Safe.

Reason being, I listened to this interview by a guy who went to trial with CCW Safe and what they did for this guy is incredible:

I've got a feeling that it's only going to get worse as time moves on.

What do you think? Leave your thoughts on this in the comments below.

About Joshua Gillem

Josh is a lifelong practitioner and student of the gun. He grew up shooting/hunting with his dad, and was given his first gun, a 12 gauge shotgun, when just a small boy. After high school, he joined the Marines where his love for firearms blossomed as he qualified with an M16A2, an M9, and a 240G. Josh has been writing about firearms and tactics for several years, owns the blog Gunners Den, is a staunch supporter of the Second Amendment, and believes that each individual person has the right to self-defense by any means necessary. Currently residing in gun-friendly NC, he carries a concealed gun on a daily basis, even in his own house.


  1. George Perin on September 26, 2020 at 12:20 pm

    Your comparison chart needs a minor update. The Washington State Insurance Commissioner has forbidden ACLDN to offer new memberships in WA (although existing members can still renew their memberships for now), and although I couldn’t find anything else on their website pertaining to membership unavailability in other oppressive states, I thought that there were several other restrictive regimes out there, like maybe NY and NJ.

    • Jacob Paulsen on October 29, 2020 at 8:13 am

      Thanks George. Working on a big update to the chart that we’ll release in the near future.

  2. FRED STEINER on September 26, 2020 at 6:40 pm

    As soon as I bought my gun I got USCCA.These are scary times now and I don’t want to have to worry about my family losing every thing if I have to defend myself & or my loved ones!

  3. Em Cee on September 28, 2020 at 9:46 am

    What about those of us in states where CC insurance isn’t available?

    • Paul Russell on September 28, 2020 at 4:21 pm

      US LawShield is available in 46 of 50 states (not in AK, ME, NY, and RI), plus DC and Puerto Rico. Where do you live?

    • Spike on October 1, 2020 at 1:53 am

      CC insurance is available everywhere, just some companies don’t offer it in every state. The major insurers (CCW Safe, USCCA, ACNDL, etc. all have 50 state coverage).

  4. jayme sousa on September 28, 2020 at 11:01 am

    2A is targeted by District Attorneys George Soros funded for their successful elections. That is what is unfolding across these fruited plains. So, with that in mind, yes, 2A is definitely in Soros’ sights Disarming a populace is a communists first (and foremost) goal. Second objective is stripping Our Constitutional Republic of its body of Rules, Regulations, Laws and Precedents. George Soros and all Global Elites want a “Clean Slate.” Then, comes the whammy…A “Soviet.” Autocrat. Need proof? Lok no further than three nations: Russia, China, NoKo. Russia elected (in rigged elections) Vladimir Putin in 2010. It is now 2020 qnd he’s been installed for life. Next, let’s look at Xi Jinping’s China.- just recently was anointed: Moral Leader. (read: for life). Now, NoKo and “Rocket Man.” Third iteration of his First generation of Rule. That’s what “The Green New Deal” is all about. Fidel Castro had a “swan Song’ for Cuba’s emergence from poverty, etc. etc. etc. is most corrupt Latin American nation in the Carribean. Only solution, vote MAGA 2020. Take friends, family, relatives, neighbors and registered strangers to vote 2020 (MAGA). Lawyering-Up…is just being a CANARY. Pray. Amen. God Bless America. Read A Bible. NKJV. Psalm 128. Then, 10 Commandments everywhere(does everyone have one?). OPEN all schools, businesses and Houses of Worship (ASAP). See, we are in “1984” already…

    • Adam Gabriel Fernandez Rodriguez on September 28, 2020 at 12:43 pm

      Yeah, I agree. Tis the same conclusion I came too. They just can’t see…somehow, but I have to resist because…what else is there for me if I cannot even live to see or enjoy it to fullest because…my body’s broken. Well, stay safe my brothers. We just have to outsmart them like the founding fathers.

  5. Joseph Egler on September 28, 2020 at 1:27 pm

    give us rural retired folks a discount. Joe

  6. Joseph Egler on September 28, 2020 at 1:29 pm

    It seems that when I lived in Ferguson Mo and a small town farm in rural nebraska and retired so I hardly ever go anywhere that the policy would cost the same amount. And I think everybody should have your coverage! Joe

  7. David Lafferty on September 28, 2020 at 1:41 pm

    I was with the program until I was told it wasn’t legal in the state of Washington. Is that still the truth?

    • Paul on September 28, 2020 at 3:53 pm

      US LawShield serves WA residents.

    • Paul Russell on September 28, 2020 at 4:22 pm

      US LawShield is available in 46 of 50 states (not in AK, ME, NY, and RI), including WA, plus DC and Puerto Rico.

  8. Mark Griffin on September 28, 2020 at 1:56 pm

    I had USCCA insurance for several years until Emperor Cuomo banned self defense insurance in the sh**hole country of New York. I hate not having insurance but there’s not much I can do. Im looking to move to America as soon as its possible.

  9. Steve on September 28, 2020 at 3:07 pm

    It would be nice if these insurance companies could come up with essentially the same coverage but without calling it insurance. Maybe a pre-paid attorney program, as in, on retainer, which I think is still legal even in Washington State. Our super-concerned Insurance Commissioner has outlawed CCWSafe and similar programs as “murder insurance”. I don’t have the funds to fight either a court case for self-defense nor a civil rights case for prohibiting legitimate lawful representation in court.

    • Joshua Gillem on September 29, 2020 at 6:22 am

      Hey Steve,

      They have been getting away from calling that. In fact I remember getting an email about a year ago from one of the companies asking us to stop calling it insurance. The main problem is that the rest of the industry, including our audience, calls it insurance so it’s really hard to get away from calling it that. We inform our audience the best we can but they still call things what they want to call them.

      It hurts even more that we call it insurance, but if we don’t call it that people won’t read the article.


  10. Paul on September 28, 2020 at 3:58 pm

    Alaska, Maine, NY, and Rhode Island are the only states in which US LawShield membership is unavailable. DC and Puerto Rico residents can also get it!

    • Paul on September 28, 2020 at 4:00 pm

      Annual membership for a single individual is only $131.40. Nominal additional charges take effect for optional coverages. If you sign up for every optional coverage, you’ll still pay substantially less than USCCA and others, and there is NO upper limit for how much your plan will pay for your criminal and/or civil defense! All appeals are also covered.

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