Key Takeaways:
Concealed Carry Insurance provides crucial legal and financial defense for gun owners who are forced to use a firearm in self-defense, safeguarding them against the devastating costs of criminal charges and civil lawsuits.
Standard Homeowners or general liability insurance policies will not cover self-defense incidents due to explicit exclusions for "intentional acts," leaving you financially exposed to massive legal bills.
Even after being cleared of criminal charges, gun owners face the risk of devastating civil lawsuits; specialized coverage is the only protection against this "second fight" for your financial future.
Right To Bear provides immediate 24/7 access to an attorney post-incident, reinforcing the responsible carry mindset that couples legal readiness with consistent firearm training.
So You Bought a Gun—Now What?
It is the middle of the night and you hear glass breaking.
You grab your firearm. Your heart races. You do what you were trained to do. You and your family survive.
The incident is over, but the real battle might only be beginning.
After a self-defense incident, you are not just dealing with a broken window or a shaken family. You are also facing police interviews, potential criminal charges, and even civil lawsuits.
None of your regular insurance policies are coming to help. Homeowners insurance will simply wipe their hands clean of your request for help and walk away.
That is where concealed carry insurance comes in.
What is Concealed Carry Insurance?
Concealed carry insurance, also known as self-defense liability coverage, is a form of legal protection for gun owners.
If you are forced to use your firearm or another legal weapon in self-defense, this insurance helps cover:
Criminal defense attorney fees
Civil lawsuit defense costs
Expert witnesses and trial preparation
Lost wages and other support after the incident
For responsible gun owners, it’s their first line of legal defense in proving the use of their firearm was justified for self-defence and getting on with their life.
Is CCW Insurance Different from Homeowners Insurance?
Your homeowners policy will not cover a defensive gun use.
Here is why:
Intentional act exclusions: Most homeowners policies exclude any intentional act that causes injury, even in self-defense. In other words, you pulled the trigger and your policy will not help.
Criminal act exclusions: Even if you are not convicted and are only charged with a crime, your insurance will not help.
In the case of State Farm v. Marshall in 1989, a homeowner defended himself from an intruder and State Farm refused to pay. When the case worked its way up to the Florida Supreme Court, the justices sided with the insurer.
Your regular insurance policies won’t be coming to the rescue, so you need a policy that works for your needs and your values.
Is Concealed Carry Insurance Worth it?
Let us break it down:
Criminal defense trial: $50,000 to $150,000
Civil defense lawsuit: $25,000 to $200,000
Bail: up to $10,000 or more
Lost wages during trial: thousands
Emotional toll on your family: impossible to measure
Even if you are completely justified, the process can ruin you financially.
Do I really need Concealed Carry Insurance?
There is an easy way to answer this question.
Do you:
Carry a concealed firearm regularly?
Keep a defensive weapon at home?
Have you taken a self-defense or home defense course?
Are you serious about protecting your family?
Want peace of mind, even in a worst-case scenario?
If you answered yes to any of these, it's time to consider getting your own concealed carry protection through a provider. You have already taken the responsible step of arming yourself. Now take the final step and protect yourself after the trigger is pulled.
Why Right To Bear Is the Smarter Choice
There are many self-defense legal protection options available. Many of them probably won’t be right for you or provide the benefits you need.
Right To Bear’s membership stands out because it:
Was built by gun owners, for gun owners
Focuses on straightforward, affordable legal protection
Does not include bloated benefits or hidden exclusions
Provides immediate access to an attorney, not next-day callbacks
When the stakes are this high, you do not want just a help desk. You want a legal advocate in your corner going to work to defend your rights.
What a Right To Bear membership includes (That You Will Thank Yourself For Later)
See also → What is CCW Insurance?
Right To Bear has acquired a self-defense insurance policy for members provided alongside a number of other exclusive benefits to provide real value to your and your family.
Here is what a Right To Bear membership and the included policy includes:
Legal defense coverage for criminal charges, including 100% of attorney fees whether you use a Right To Bear attorney or hire your own
Legal defense coverage for civil lawsuits, including 100% of attorney fees for both the initial case and any appeal
24/7/365 emergency attorney-answered hotline support for questions, guidance, and next steps after a self-defence incident
Red Flag Law protection with up to $25,000 in legal fee coverage if your weapon is seized under an ERPO or similar order
Lost wage protection providing up to $300 per day, up to $2,500 per incident for wages lost because of mandatory legal obligation attendance
One expert witness up to $10,000 to support your defense
Firearm replacement coverage if your weapon is seized by law enforcement after a self-defense incident
Psychological support with up to 40 counseling sessions to help process the emotional impact of an incident
Negligent discharge protection, providing attorney fee coverage similar to self-defense incidents
Monthly newsletter access, From The Den, with news, updates, events, and training resources
Family legal benefit through Legal Club, offering discounts and services for non-self-defense legal matters
Self-defense training videos available through the member portal
Educational content library covering firearms, laws, and industry knowledge
Protector Plus perks including industry partner discounts on gear, training, and accessories
Add-On Benefits:
Spousal or secondary member add-on to extend coverage to a spouse or household member
Multi-state coverage add-on to extend protection across all 50 states
Bail bond benefit add-on providing up to $100,000 for bail bond expenditures following a self-defense incident
Minor household children protection add-on to extend legal protection to children under 17 who live in your home
We’re there for you before, during and after a self-defence incident with all of our provided benefits.
Want additional online training? We got it. Worried about your weapon being seized? Don’t. Wondering how you will afford a lawyer after a self-defence incident? Worry no more with Right To Bear.
Civil and Criminal Legal Protection: The Coverage You Need
Even if you are never criminally charged or you are found not guilty, you can still be sued in civil court. Civil liability exists separately from criminal law, and a person who acted in justified self-defense can still face expensive lawsuits from others who were hurt or who claim damages.
One real-world example comes from an Albuquerque, New Mexico smoke shop incident in 2012. An employee named Matthew Beasley shot and killed one of two men who broke into the shop. Police determined the shooting was justified.
Despite that finding, the widow of the man who was killed filed civil claims against Beasley.
Fortunately for the defendants, the lawsuit was dismissed based on legal protections for justifiable self-defense and because certain claims could not be brought after a person’s death.
However, the defendants still had to hire lawyers and incur significant legal costs before the case was resolved.
This example shows how costly the legal aftermath of a defensive shooting can be, even when the state determines no crime was committed.
Without protection, you could be responsible for attorney fees, court costs, expert witnesses, and more, simply because someone chooses to sue.
With Right To Bear, you do not face that fight alone.
Your legal team is there to help defend your freedom and your finances.
Final Word: Armed? Good. Covered? You’d Better Be.
You carry to protect your life. A Right To Bear membership protects you before and after.
Whether you have been carrying for years or you just bought your first pistol, the moment you holster up you accept the risk of needing to defend yourself. The smart move is to prepare for the legal storm that can follow a self-defence incident.
With a Right To Bear membership, you are not just buying a policy. You are protecting your future, your finances, and your freedom.
Protect what you have already committed to defend: your life, your family, and your rights.
Ready to get the protection you need? Become a Right To Bear member today and choose the membership that fits your lifestyle, your training, and your beliefs.
Become a Right To Bear member and get the backup you can trust
What is Gun Insurance?
Gun insurance (also known as CCW liability insurance) covers legal and financial costs if you use a firearm in self-defense. It protects you from criminal charges, civil lawsuits, bail costs, and attorney fees.
What does concealed carry insurance cover?
Concealed carry insurance covers criminal and civil defense expenses after a self-defense incident. This includes attorney fees, criminal defense strategy, bail bond funding, civil liability protection, and even expert legal application of self-defense laws relevant to your state.
What does gun owners insurance cover?
Gun owners insurance covers legal defense, bail, and civil protection if you're forced to use your firearm. It ensures you’re not financially ruined by court costs.
Do I need concealed weapons insurance if I carry everyday?
Yes. Concealed weapon insurance gives you immediate legal support after a self-defense incident. Even justified shootings can lead to criminal charges or lawsuits, and homeowners insurance won’t help.
Is homeowners insurance enough to protect me legally?
No. Homeowners insurance typically excludes coverage for intentional acts or criminal incidents—even if you're legally carrying and acted in self-defense. Unlike homeowners coverage, a specialized concealed carry protection policy is designed for responsibly armed citizens, not accidental kitchen fires.
Can I be sued even if I’m not charged for a crime?
Absolutely. Civil lawsuits are often filed even when prosecutors drop charges. Civil defense protection through Right To Bear ensures you’re not on the hook for thousands in legal fees.
Is training required with my Right To Bear plan?
While not required, ongoing firearm training is highly encouraged. Right To Bear members are strongly advised to pursue continuing education and range time. After all, protection begins with preparedness— not just legal coverage.
Where can I learn more about Right To Bear’s offerings?
Explore Right To Bear’s membership, read expert review insights, and start your application. Whether you're brand new to gun ownership or a seasoned gun owner refining your protection strategy, there’s always more to learn and the resources are ready for you.
How much does a Right To Bear membership cost?
Membership starts at only $19 month or $185/year. You don’t need to max out your credit card to get a premium service that includes an experienced attorney and 100% attorney fees for criminal defense and civil defense.