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Self-Defense Gun Owner Insurance Programs Compared

We will continue to update this chart as we notice changes in the industry, but bear with us if you notice anything before we do. And, if you see something that has changed, as we assume it will because this is an ever-competitive market, please let us know so we can change it in the chart.

Please note this important disclaimer. While we endeavor to maintain the below information accurate and up to date you are responsible to research and be familiar with any product you purchase and any membership you join.

This table was last updated on May 5th, 2022:

Armed Citizens LDNCCW SafeFirearms Legal ProtectionRight to BearSecond Call DefenseUS Law ShieldUSCCA
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Cost$135 p/yr$519 p/yr$19.95 Setup/Person; $21.95/mo, $239/yr$50.95/month & $595/year$34.95 p/mo or $399 p/yr$19.95 Setup, $10.95 p/mo or $131.40 p/yr$499 p/yr
Insurance?Not InsuranceInsurance BackedInsurance BackedVaries by StateInsurance Backed
Bail Bond Premium Coverage$25,000$100,000$25,000$50,000$25,000Varies by State$100,000
Choose Your AttorneyYou ChooseYou Choose - They ApproveYou ChooseYou ChooseYou ChooseThey ChooseYou Choose
Criminal Defense Attorney Fees$25K immediately + more after board reviewCovered / No LimitCovered - No LimitUp to $2,000,000Up to $150,000Covered - No LimitCovered / No Limit
Civil Defense Attorney Fees$25K immediately + more after board reviewCovered - No LimitCovered - No LimitUp to $2,000,000Up to $1,500,000Covered - No LimitCovered - No Limit
Civil DamagesNoUp to $1,000,000NoUp to $2,000,000Up to $300,000NoUp to $2,000,000
Recoupment ClauseNoNoNoYesNoNoYes
Appeals Covered?YesYesYesYesCase by caseYesYes
Any Legal WeaponYesYesYesNo - Firearm OnlyAny Legal FirearmYesYes
Expert WitnessesYesYesUp to $5000YesYesVaries by StateYes
Red Flag Law CoverageNoYesYesNoNoYesMembers might be eligible for coverage by "Legal Defense Foundation"
50 State CoverageYesYesYes for all Premium PlansYesYesAdditional FeeYes
Ongoing Training & ContentYesOnline Content, NewsletterNoOnline Training & TipsNewsletter, online content, videosNoProtector Academy
Available Nationwide?YesNot available in NY, NJ, & WA32 States OnlyNot available in NY, NJ, & WANot available in NY, NJ, & WANot Available in AK, CT, DE, ME, NY, & RINot available in NY, NJ, & WA
24/7 Emergency HotlineYesYesYesYesYesYesYes
Spouse/Family Covered?Additional FeeCovered in Home / Add. Fee OutsideAdditional FeeAdditional FeeAdditional FeeAdditional FeeCovered in Home / Add. Fee Outside
Payout Upfront or ReimbursementUpfrontUpfrontUpfrontUpfrontUpfrontUpfrontUpfront
Post-Incident Firearm ConfiscationNoReplacement ProgramReplacement ProgramYesReplacement ProgramNoCovered under $10,000 "incidental expense allowance"
Lower Cost Plans Available?NoYesYesYesYesNoYes
Ongoing Attorney AccessNoNoYesYesYesYesYes
Compensation While in CourtNo$350 / Day$300 / Day, Max of $1500$200 / Day$500 / DayNo$750 / Day
Psychological SupportNo40 Sessions up to $150 per hourYesYes40 1-hour sessionsNoNone
Personal Hardship CoverageNo$4000 in Clean-Up Fees$1500 in Clean-Up FeesNo$2000 in Clean-Up FeesNoUp to $10,000 (combined with firearm replacement)
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To find out more or read up on the different programs listed, you can do so at the following links, leading to their respective pages:

Terms:

Cost --

How much the program costs to be a member, either monthly or yearly. Some programs have different tiers, so make sure you check the coverage you choose. Where multiple tiers are available we have chosen to compare the top tier plan for each provider.

Insurance? --

While the firearm industry broadly refers to these companies and their products as "insurance" that may be technically inaccurate. Some of these companies are member-funded which means they are not in any way regulated by insurance companies but are also semi-limited in the funds available to support members while other companies might be actual insurance brokers, while other may be insurance backed while not selling insurance directly.

Bail --

The money given for temporary release if charged with a crime. Please note that traditionally the fee paid to a bondsman is 10% of the value of the bond. So if bail is set at $1,000,000 the fee the bondsman would generally charge is $100,000. In the chart above we have indicated the amount the provider would actually pay out to cover the fee. So for example, if the chart reads $25,000 that would traditionally cover a bond up to $250,000.

Choose Attorney --

Some programs allow you to choose your lawyer, others will assign one to you.

Attorney's Fees --

How much money, both civil and criminal, the program covers.

Civil Damages --

Money paid to the plaintiff in the event a civil lawsuit is filed and one were to lose that lawsuit and be asked to pay out damages.

Appeals Covered --

In the case that the member was to be found guilty, would the company continue to provide benefits should the member choose to appeal the decision?

Recoupment Clause --

Should the client be found guilty does the company reserve the right to seek damages against their own member in order to recoup the money spent on their behalf?

Any Legal Weapon --

If you don't have access to your gun, but can get to a fry pan and use that for self-defense, is it covered? Some will, some won't.

Expert Witness --

Sometimes outside opinions, like ballistics experts, etc., are needed to prove a point.

50 State Coverage --

Can you be covered in all 50 states? Note that many of these providers may not offer their product to residents of a certain state but will still cover a member when traveling through that same state.

Ongoing training --

What, if any, additional training materials are included.

Available Nationwide --

Some states have passed legislation that prevents many of these providers from offering their services to people who live in that state. Above we have indicated the number of states where membership is offered or when only a few states are excluded we have tried to specify which states.

24/7 Hotline --

Is someone there for you at 2 am Christmas morning?

Spousal/family coverage --

Are your family members included in your plan?

Payout --

Will the company give you money straight away or is it reimbursement based? Reimbursement programs will only pay you after the case has been decided in court and then only if you are found innocent.

Post-Incident Firearm Confiscation --

After a self-defense incident, if your firearm is confiscated will this provider pay to relace that firearm?

Lower Tiers --

Are there any cheaper options if you can only afford so much?

Attorney Access --

If you have a question, can you reach someone to answer it for you outside of there being a specific incident?

Red Flag Law Coverage --

If you are issued an extreme risk protection order will the organization cover the legal fees of your attorney who may represent you in a hearing or follow up to that order?

That about does it. Keep in mind that we'll be monitoring this and updating it whenever we hear of a change. Have a question or see a correction we need to make? Click here to contact us.