Key Takeaways:
Concealed carry insurance protects you legally and financially if you’re forced to use a firearm in self-defense.
Homeowners insurance won’t cover self-defense incidents due to “intentional acts” and “criminal acts” exclusions.
Without specialized coverage, responsible gun owners can face devastating lawsuits even after justified self-defense.
Right To Bear provides legal support, attorney access, and civil protection, helping gun owners avoid devastating lawsuits or criminal charges.
Training matters just as much as your firearm—responsible carry includes understanding the legal aftermath.
Criminal and civil court costs can destroy your finances even if you did everything right—insurance is your lifeline.
So You Bought a Gun—Now What?
Picture this: it’s the middle of the night. You hear glass breaking.
You grab your firearm. Your heart pounds. You do what you were trained to do. You survive.
But the real battle might just be starting.
After a self-defense incident, you’re not just dealing with a broken window or a shaken family— you’re facing police interrogations, possible criminal charges, and even civil lawsuits.
And here's the kicker: your homeowners insurance? Useless.
That’s where concealed carry insurance comes in. And no, it’s not some tinfoil-hat paranoia, it’s the missing piece in your personal defense plan.
What is Concealed Carry Insurance?
Concealed carry insurance, also known as self-defense liability coverage, is a type of legal protection for gun owners.
If you're forced to use your firearm (or any legal weapon) in self-defense, this insurance helps cover:
Criminal defense attorney fees
Bail bond funding
Civil lawsuit defense costs
Expert witnesses and trial prep
Lost wages and aftermath support
Think of it as the legal version of body armor.
"Think of it as the legal version of body armor."
Is CCW Insurance Different from Homeowners Insurance?
Your homeowners policy will not cover a defensive gun use.
Here’s why:
Intentional Act Exclusions: You used your firearm on purpose, even in self-defense. Most homeowners policies exclude any intentional act that causes injury. Translation: you pulled the trigger? You’re on your own.
Criminal Act Exclusions: Even if you’re not convicted, if you’re charged with a crime, your insurance won’t help.
In the case of State Farm v. Marshall (1989), the Florida Supreme Court sided with the insurer. A homeowner defended himself from an intruder and State Farm said “no thanks” when it came time to pay.
Is Concealed Carry Insurance Worth it?
Let’s break it down:
Criminal defense trial: $50,000–$150,000
Civil defense lawsuit: $25,000–$200,000
Bail: Up to $10,000 (or more)
Lost wages during trial: Thousands
Emotional toll on your family: Immeasurable
Even if you’re 100% justified, the process can bankrupt you.
Is Concealed Carry Insurance Worth it?
If any of this sounds like you, it’s time to get covered:
You carry a concealed firearm regularly
You keep a defensive weapon at home
You’ve taken a self-defense or home defense course
You’re serious about protecting your family
You want peace of mind, even in a worst-case scenario
You’ve already taken the responsible step of arming yourself. Now take the final step: protect yourself after the trigger is pulled.
See Also → Explore where your permit is valid with our concealed carry reciprocity map
Why Right To Bear Is the Smarter Choice
There are plenty of self-defense legal protection options out there. But Right To Bear stands out because:
It was built by gun owners, for gun owners
It's focused on straightforward, affordable legal protection
It doesn’t bog you down with bloated benefits or hidden exclusions
It gives you immediate attorney access— not next-day callbacks
When the stakes are this high, you don’t want a help desk. You want a legal warrior in your corner.
"Education and training tools help you avoid ever needing to use force"
What a Right To Bear membership includes (That You’ll Thank Yourself For Later)
Among a number of other benefits, Right To Bear has acquired a self-defense insurance policy for our members. Here’s what a Right To Bear’s membership and the included self-defense insurance policy includes:
Immediate access to an attorney after a self-defense incident
Bail bond coverage to keep you out of jail while your case proceeds
Legal defense for civil and criminal charges
Support during police interviews and investigations
Education and training tools to help you avoid ever needing to use force
Compare that to scrambling to find a defense lawyer at 2 a.m. while your spouse is freaking out, your gun is in an evidence locker, and your kids are watching it all unfold.
The Biology of a Self-Defense Incident: Why You Won’t Be Thinking Straight
Your brain doesn’t do courtroom strategy well right after it dumps a gallon of adrenaline into your bloodstream.
Your memory? Spotty at best. When police show up with lights flashing and hands on holsters, saying the wrong thing could sink your entire case.
That’s why a Right To Bear membership doesn’t just cover courtroom costs, it gives you time to talk to a lawyer before you say a single word to investigators. With 24/7 access to an attorney, you will always be a phone call away to the legal help you need.
Civil and Criminal Liability: The One-Two Punch
Even if you’re never criminally charged, or you're found not guilty, you can still be sued.
Take this real-world example: in New Mexico, a smoke shop employee defended himself and his store from armed intruders.
Police called the shooting justified. End of story, right? Nope. The widow of one of the criminals sued the employee, the shop, the owners, and even the local PD.
The court dismissed it, but not before everyone lawyered up. And let’s be real, lawyers aren’t cheap.
With Right To Bear, you don’t face that fight alone. As a member, you receive self-defense insurance as one of our many benefits, which will cover your attorney fees for your criminal or civil case that happens as a result of a self-defense incident.
Your legal team is on standby, paid for, and prepared to defend your freedom and your finances.
Don’t Forget the Training: Prevention Beats Reaction
Legal protection is vital— but training is how you make sure you never have to use it.
Right To Bear encourages ongoing education, realistic self-defense drills, and legal awareness.
Understanding your state’s laws, your rights, and how to handle post-incident interactions with law enforcement could be the difference between freedom and a felony.
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’ve been carrying for years or 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 follows a defensive use of force.
With a Right To Bear membership, you’re not just buying some policy. You’re helping to secure your future, your finances, and your freedom.
Protect what you’ve already committed to defend— your life, your family, and your rights.
Ready to get the protection you need? Visit Right To Bear today and get the membership that suits your lifestyle, your training, and your mission.
Part of the Concealed Carry Insurance Series by Right To Bear
This series unpacks the real-world consequences, legal pitfalls, and protection strategies every responsibly armed American must understand. From how you carry to what happens after you pull the trigger, we break down the decisions that determine not just your safety—but your freedom. Because the gun is just the beginning. What follows is where most gun owners get blindsided.
More from this Series
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 $17 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.