Self Defense Insurance Comparison

There’s now three self-defense insurance plans out there for CCW carriers (and others) who want to win the court battle that comes after the gun battle. We spend hours on the range and thousands of dollars on guns, ammo, gear and training to prepare to defend our lives, but don’t spend a nickel on preparing to defend ourselves in court. Once my current bout of funemployment is over, I will be taking advantage of one of these offers, and it’s something I’d recommend for every civilian who carries a firearm. 

Armed Citizen Legal Defense Fund 

The purpose of the Network’s Legal Defense Fund is to provide legal defense support to Network members, when these lawfully armed citizens face prosecution or civil lawsuit after exercising their right to self defense. The Network does not offer an insurance program or a prepaid legal fee service, but rather a number of benefits are made available to members. If a member is involved in a self defense incident, a fee deposit is paid to the member’s attorney by the Network to get the legal defense immediately underway, with representation during questioning, and arranging for an independent investigation of the incident. If the incident results in felony charges the fee deposit is $10,000; if the member faces misdemeanor charges, a $5,000 fee deposit is sent to his or her attorney.

Network members, by virtue of their membership, are entitled to case review by one of the Network experts and have access to contact information for Network-affiliated attorneys and expert witnesses. For this service, there is no charge beyond the Network membership fee. Beyond that, distribution of monetary grants to help with legal fees is at the discretion of the Network’s Advisory Board, comprised of Massad Ayoob, John Farnam, Jim Fleming, Tom Givens, Dennis Tueller and Network officers, Marty Hayes and Vincent Shuck, as ex officio members. 

NRA Self-Defense Insurance 

Our Self-Defense Insurance protects National Rifle Association members who need extra protection not found in most homeowners’ policies.

The coverage is a rider to the Excess Personal Liability coverage, and provides civil defense and liability and criminal defense reimbursement if you are involved in an act of self-defense.

What’s Covered:

• Provides coverage up to the limit selected for criminal and civil defense costs.
 • Cost of civil suit defense is provided in addition to the limit of liability for bodily injury and property damage.
• Criminal Defense Reimbursement is provided for alleged criminal actions involving self-defense when you are acquitted of such criminal charges or the charges are dropped.

US Concealed Carry Association Legal Defense Foundation 

The Self-Defense SHIELD consists of an insurance policy owned by the USCCA that designates the members as beneficiaries. No individual ungerwriting is required. As a Silver PLUS, Gold PLUS or Platinum PLUS member you automatically receve these insurance benfits. The USCCA owns and pays for the polict while you get the benefits. 

Criminal Defense Grant 
This layer of the Self-Defense SHIELD can help you pay for your criminal defense lawyer if you’re charged with a crime. 

Court-Related Expenses
Our final layer of the USCCA Self-Defense SHIELD allows active members to apply for an additional grant for any other court-related expenses. 

Policy Comparison 


Criminal Court Costs Civil Court Costs Expert Witneseses Addt’l Grants Cost /Year
USCCA Silver $25,000.00 $50,000.00 Y $25,000.00 $127.00
USCCA Gold $50,000.00 $100,000.00 Y $50,000.00 $197.00
USCCA Platinum $75,000.00 $300,000.00 Y $75,000.00 $297.00
NRA Self-Defense Insurance One * $50,000.00 * $100,000.00 * N N $165.00
NRA Self-Defense Insurance Two * $50,000.00 * $250,000.00 * N N $254.00
Armed Citizen Legal Defense Fund $5000/$10,000 Y ** Y Y *** $85.00

* Total coverage is split between civil and criminal cases, with a $50,000.00 sub-limit on criminal court cases

** From the comments: “In your comparison grid you incorrectly state that the Network extends no assistance forcivil court costs. That is not correct. While The Network is not an insurance scheme, and thus does not have coverage limits, our commitment to our members who have had to defend themselves against criminal attack is to assist in their legal defense — be that a criminal trial or civil litigation — to the extent that our advisory board deems appropriate.” 
The post has been updated to reflect this new information 

Also from the comments: “The NRA-endorsed insurance programs require that you be an NRA membership. Average price is about $25 per year. The ACLDN membership requires no other membership costs. The USCCA Self-Defense SHIELD memberships at the Plus levels also include membership in the USCCA at the listed level which costs $37, $67, or $97 for Silver, Gold, and Platinum respectively. 

In addition, the spreadsheet only marks the NRA coverages as having the criminal limit being included in the civil limits. The SHIELD program does the same thing. The listed limits are per occurrence, including all coverage – civil and criminal. The criminal limits are the portion of the total which may be used for criminal defense.”

The table also misstates the USCCA coverage for expert witnesses. The summary of benefits states the coverage includes “reasonable and necessary costs and expenses incurred in connection with the investigation and/or defense of any criminal charge or criminal proceeding caused by the use of a firearm”. After checking with the insurance company, Tim Schmidt confirms that this is the correct interpretation. The USCCA Self-Defense SHIELD program does indeed include coverage for expert witness testimony, private investigators, laboratories, and any other related expenses that would be needed to prepare and present the necessary defense.”

*** Grant amounts are unspecified 

All descriptions of the policies were taken verbatim from each organization’s website.

Update: Hey, if you’re new to the site, feel free to stick around and/or give me a Like on Facebook.

Comments are closed.