Uscca Vs Concealed Carry: Which Insurance Is Best?

Which is Better: USCCA or Concealed Carry Insurance?

When it comes to choosing the best concealed carry insurance, there are a few factors to consider. The first is the level of coverage provided. Some companies offer unlimited coverage for criminal and civil defence trials, while others have coverage limits. It is also important to consider the cost of the insurance, as prices can vary widely depending on the level of coverage chosen. Another factor to consider is whether the insurance company provides upfront payments or reimbursements after the legal proceedings have concluded. Additionally, it is worth noting that not all insurance companies offer coverage in all states, so it is important to check the availability in your specific state. When deciding between USCCA and concealed carry insurance, it is essential to weigh these factors and choose the option that best suits your needs and provides the most comprehensive coverage.

USCCA membership benefits

The USCCA (United States Concealed Carry Association) offers a range of membership benefits to over 635,000 responsibly armed Americans.

Training and Education

USCCA membership provides access to the best concealed carry, home defence, and firearms training systems in the nation. Members can access the USCCA Protector Academy, which includes a range of video and curriculum training resources. Members can also access checklists and guides for fortifying their homes and training drills.

Self-Defence Liability Insurance

USCCA members are additional insureds under a policy issued to the USCCA by Universal Fire and Casualty Insurance Company. This provides peace of mind and confidence to members, knowing that they are covered in the event of a self-defence incident.

Critical Response Team

USCCA members have access to a private number for the Delta Defense Critical Response Team, which they can call 24/7/365 in the event they are forced to act in self-defence.

Member Perks and Discounts

USCCA members receive a range of perks, including complimentary shipping, a subscription to the Concealed Carry Magazine, complimentary entry to the annual Concealed Carry & Home Defense Expo, and discounts of up to 30% from partner brands.

Spouse Membership

Spouses can be added to a USCCA membership at a 50% discounted rate.

Money-Back Guarantee

USCCA membership is 100% risk-free, with a 365-day money-back guarantee.

Membership Levels

USCCA offers three membership levels: Gold, Platinum, and Elite. The main differences between the levels are the amount of training content and resources that members can access. The Gold membership is priced at $29/month or $299/year, Platinum at $39/month or $399/year, and Elite at $49/month or $499/year.

USCCA insurance coverage

USCCA (United States Concealed Carry Association) is one of the most well-known providers of concealed carry insurance, with over 300,000 members. It offers legal protection for self-defence scenarios and provides resources and training for CCW education and firearm training.

USCCA is not an insurance company itself but has purchased an insurance policy that provides the association and its members with self-defence liability insurance. This insurance is provided by Universal Fire and Casualty Insurance Company and administered by Delta Defense, LLC, a licensed insurance agency in all 50 states.

USCCA offers three tiers of membership: Gold, Platinum, and Elite, costing $29, $39, and $49 per month, respectively (or $299, $399, and $499 per year). The primary difference between the tiers is the amount of educational and training content accessible; all three tiers provide the same level of insurance coverage.

Insurance Coverage Details

• Criminal Defence Coverage: USCCA provides unlimited coverage for criminal defence expenses, including lawyer's fees, investigation costs, and court fees. This coverage is provided regardless of the outcome of the trial.
• Civil Defence Coverage: USCCA provides unlimited coverage for civil defence expenses and civil liability up to $2 million. This includes the cost of a lawyer to defend you in court and any financial damages you are required to pay.
• Up-Front Money: USCCA provides money upfront as needed, rather than requiring reimbursement.
• Bail: USCCA provides up to $100,000 for bail bond funding.
• Per Diem: USCCA provides a daily allowance of up to $750 to offset lost earnings while in court.
• Training and Resources: USCCA provides online courses, reading materials, and hosts a Concealed Carry Expo.

Exclusions

USCCA coverage does not apply in the following scenarios:

• When committing a crime (coverage ceases if convicted)
• Accidents or unintentional discharge, e.g. hunting accidents
• Incidents resulting from war or civil uprising
• Incidents occurring as part of official job duties, e.g. private security guards

USCCA insurance is also not available for purchase in New York, New Jersey, or Washington.

Pros and Cons

Pros:

• High coverage limits and good value
• Backed by a reputable insurance company (Universal Fire and Casualty Insurance Co.)
• Pays claims upfront
• Unlimited criminal and civil defence coverage
• High bail and per diem amounts
• Additional educational and training resources

Cons:

• Limited reports from people who have made claims
• Does not cover accidental discharge or hunting accidents (unlike some competitors)
• Contains a "recoupment clause," allowing USCCA to seek reimbursement of expenses if it is determined that payments were made for matters not covered by the policy or prohibited by law

USCCA insurance exclusions

The USCCA is not an insurance company but a membership organisation that provides its members with self-defence liability insurance as a benefit. This insurance is provided by Universal Fire and Casualty Insurance Company.

The insurance policy is subject to certain exclusions, which include:

• The policy does not cover residents of New York, New Jersey or Washington State.
• The policy contains an exclusion limiting coverage while on the job in certain occupations that require individuals to put themselves in harm's way, including police officers, paid security personnel, and individuals performing repossession services.
• Coverage is excluded if an insured uses a weapon they were not able to legally possess under federal law.

USCCA vs other insurance providers

USCCA is a membership organisation that provides gun owners with self-defence liability insurance, as well as a host of other benefits. These include access to training and educational resources, a community of like-minded individuals, and 24/7 customer support.

USCCA's insurance policy is underwritten by Universal Fire & Casualty Insurance Company. It offers unlimited criminal defence coverage, and reimbursement for civil defence costs. USCCA also provides bail bond coverage, and compensation for lost wages.

USCCA's insurance policy is not available to residents of New Jersey, New York, or Washington State.

USCCA vs CCW Safe

CCW Safe is a "legal defence service plan" that provides gun owners with comprehensive criminal and civil defence coverage, with no limit on the amount spent. CCW Safe also provides gun owners with a Critical Response Team, which will send team members to the policyholder in the aftermath of a shooting.

CCW Safe's insurance policy is not available to residents of Washington State.

USCCA vs US & Texas LawShield

US & Texas LawShield is a relatively affordable insurance provider, with a monthly cost of $10.95. However, this low cost comes at the expense of certain supplemental coverages. Multi-State Protection and Bail Bond & Expert Witness coverage, for example, are not included in the basic plan, and cost extra.

US & Texas LawShield's insurance policy is not available to residents of New York.

USCCA vs Second Call Defence

Second Call Defence is a mid-tier insurance provider, offering decent coverage limits. Second Call Defence offers upfront payments for all covered fees, including attorney's fees. Second Call Defence's monthly cost is $9.95.

USCCA vs Firearms Legal Protection

Firearms Legal Protection is a relatively affordable insurance provider, with a monthly cost of $14.95. This low cost, however, means that certain coverages are not included. Bail bond coverage, for example, is only available in upper-tier insurance plans.

USCCA's insurance policy compares favourably to its competitors. It offers unlimited criminal defence coverage, reimbursement for civil defence costs, and a host of additional benefits, such as access to training and educational resources. However, USCCA's policy does have certain drawbacks. Civil defence coverage, for example, is a reimbursement, meaning that policyholders will have to pay out of pocket first. Additionally, USCCA does not provide policyholders with a Critical Response Team. Finally, USCCA's policy is not available to residents of New Jersey, New York, or Washington State.

USCCA customer reviews

The USCCA (United States Concealed Carry Association) provides self-defence liability insurance to its members. It is one of the biggest insurers in the market and has been around for a long time.

USCCA has three tiers of membership: Gold, Platinum, and Elite, costing $29, $39, and $49 per month, respectively. Members at all tiers are insured on the self-defence liability insurance policy issued to the USCCA. The insurance covers annual liability up to $2,000,000, with no limit on defence expenses. It also covers bail expenses up to $250,000, incidental expenses up to $20,000, and actual loss of earnings up to $750 per day.

USCCA has received mostly positive reviews from its customers. Many reviewers highlight the peace of mind that comes with the insurance coverage, as well as the excellent customer service provided by the company. The educational content and training videos available to members are also praised. However, there are some negative reviews that mention issues with cancelling memberships and dissatisfaction with certain clauses in the insurance policy.

"I have been a member for years and will continue my membership. It is well worth the reasonable amount of money per month. I highly suggest checking out the USCCA and the benefits of being a member. My membership card is always with me. I have absolutely nothing negative to say about this organization."

"USCCA has made everything easy from my very first experience. Yesterday was excellent as always. When my wife passed and I removed her from my membership, the representative called me back in a week to see how I was doing. A truly caring organization."

"Great customer service. Fantastic training courses for beginners as well as experienced shooters. It is nice to know that they have my back in case the situation arises."

"I've been a member for 8 years now, 10 total. A great dependable resource for everything concealed carry related, with of course the insurance backing to boot. Thanks for great service all these years."

"I am a firearms instructor and a concealed carry person. The advisor took care of my issues and was very helpful. This was very refreshing to talk to someone who was concerned with my wellbeing. Also, the training videos that the USCCA provides I consider excellent training."

"I love USCCA they're the best company for self-defence and protection. I would recommend every good person who wants to protect their family."

"I was a member for many years and satisfied with what they promised to cover for the price, I ONLY subscribed because they guaranteed never to raise the rate as long as I stayed a consistent customer, which I did, this year they raised the rate substantially and said it was because of the added bonuses etc which I use none of, and I believe a class action suit is needed."

"I've been a member of USCCA since 2017. I specifically chose USCCA because of their coverage, which exceeds any other program I researched. Not only does it cover critical incidents involving weapons. It also covers me, in the event I'm in a defensive situation, involving physical controls or takedowns. There's an added benefit, in that it covers both criminal, or civil actions. Arising from self-defense. To the limits of coverage, which is substantial."

Frequently asked questions