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—and Right To Bear is leading the charge to make sure responsibly armed Americans are legally covered.
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.
Companies like Right To Bear offer comprehensive coverage that steps in when you’ve done everything right—but still end up facing a prosecutor or an ambulance-chasing attorney looking for a payout.
"Think of it as the legal version of body armor."
Why Homeowners Insurance Won’t Save You
Let’s kill the myth right now: 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. Ever heard the phrase “innocent until proven broke?” That’s what we’re talking about here.
Need proof? 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.
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.
Let that sink in.
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.
Your legal team is on standby, paid for, and prepared to defend your freedom and your finances.
The Biology of a Self-Defense Incident: Why You Won’t Be Thinking Straight
Here’s a fun fact: your brain doesn’t do courtroom strategy well right after it dumps a gallon of adrenaline into your bloodstream.
Your recall? Garbage. Your memory? Spotty at best. And when police show up with lights flashing and hands on holsters, saying the wrong thing could sink your entire case.
That’s why Right To Bear doesn’t just cover courtroom costs—it gives you time to talk to a lawyer before you say a single word to investigators.
Because your rights don’t protect you if you waive them in a fog of panic.
Real Life, Real Costs: The Price of Freedom Without Insurance
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. Don’t believe it? Ask the retired Florida detective who had to defend himself. He was right. He was justified. He still lost his home.
Don’t be that guy. Insurance from Right To Bear can cost less than a box of ammo per month—and save your entire life savings.
See Also → Explore where your permit is valid with our concealed carry reciprocity map
What Concealed Carry Insurance Does (That You’ll Thank Yourself For Later)
Here’s what Right To Bear’s coverage 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.
"Education and training tools help you avoid ever needing to use force"
Who Needs Concealed Carry Insurance?
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.
Why Right To Bear Is the Smarter Choice
There are plenty of self-defense insurance 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.
Don’t Forget the Training: Prevention Beats Reaction
Insurance 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. Concealed carry insurance protects everything after that—the stuff a gun can’t defend.
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? Prepare for the legal storm that follows a defensive use of force.
With Right To Bear, you’re not just buying a policy. You’re securing your future, your finances, and your freedom.
So don’t wait. Protect what you’ve already committed to defend—your life, your family, and your rights.
Ready to get covered? Visit Right To Bear today and choose the plan that fits 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 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.
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.
How much does Right To Bear concealed carry insurance cost?
Right To Bear offers flexible membership plans that fit a variety of budgets. Some start at less than a box of ammo per month. You don’t need to max out your credit card to get premium coverage that includes an experienced attorney and full criminal defense and civil defense benefits.
Can I be sued even if I’m not charged with a crime?
Absolutely. Civil lawsuits are often filed even when prosecutors drop charges. One group of anti-gun attorneys can recast your justified actions to seek a payout. Civil liability coverage through Right To Bear ensures you’re not on the hook for thousands in legal fees, especially if you’re a retired individual living on a fixed income.
What makes Right To Bear different from other CCW insurance providers?
Right To Bear focuses on straightforward, no-frills concealed carry protection without the fluff. Unlike some CCW safe competitors that bundle in podcast subscriptions or group swag, Right To Bear sticks to what matters: real-world legal coverage and self-defense support.
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.
How do I know if I’m getting the right level of coverage?
Coverage depends on your lifestyle, risk level, and how often you're carrying. If you regularly conceal carry or keep a home defense firearm ready, a higher-tier plan with unlimited attorney access and broad civil defense protection is ideal.
Where can I learn more about Right To Bear’s offerings?
Visit Right To Bear’s official site to explore plan options, read expert review insights, and start your application. Whether you're brand new to CCW insurance or a seasoned gun owner refining your protection strategy, there’s always more to learn—and the resources are ready for you.
16 comments
“As a first-time gun owner, the idea of carrying concealed was daunting until I discovered RTB. Their educational resources, combined with their user-friendly and effective carry solutions.”
“Investing in a concealed carry solution from RTB has given me an unparalleled sense of security. They Have a great team.”
“RTB has truly mastered the art of concealment without compromising accessibility. Their holsters allow me to carry my firearm securely while ensuring I can access it swiftly and safely if necessary. It’s comforting to know I have a reliable, discreet carry option that doesn’t interfere with my daily activities.”
“The level of customer service at RTB is truly outstanding. From the moment I reached out with questions about the best services for my needs, to the after-sales support, their team has been incredibly helpful and informative. It’s refreshing to see a company that not only sells high-quality products but also stands behind them with exceptional service.”
“I’ve been a customer of RTB for over a year now, and their concealed carry services have exceeded all my expectations. Not only do they offer a wide variety of options to suit any preference, but the comfort and durability of their holsters are second to none. It’s clear that they prioritize both safety and convenience, making them a top choice for anyone serious about responsible firearm ownership.”