For self-defense insurance I use USCCA (www.usconcealedcarry.com), and I highly recommend it. It may be a little more expensive than others, but I think their service is well worth it. They offer three levels of insurance: Gold, Platinum, and Elite. In addition, all three plans include Critical Response Team assistance 24/7/365, Attorney reference and coordination, Psychological support/counseling, and subscription to Concealed Carry Magazine. Their website has lots of other reference material, training videos, and links to additional training material. The magazine is outstanding, and once you're a member you can download any of their past issues for free. Here are the plans:
Gold – Which provides $600,000 self-defense protection: $5,000/50,000 for bail bond funding, $100,000 for criminal defense protection and attorney retainer, $500,000 for civil suit defense and damages, and$350/day compensation while in court. Cost: $247/yr.
Platinum – Which provides $1,150,000 self-defense protection: $25,000/250,000 for bail bond funding, $150,000 for criminal defense protection and attorney retainer, $1,000,000 for civil suit defense and damages, and $500/day compensation while in court. Cost:$347/yr.
Elite – Which provides $2,250,000 self-defense protection: $50,000/500,000 for bail bond funding, $250,000 for criminal defense protection and attorney retainer, $2,000,000 for civil suit defense and damages, and $750/day compensation while in court. Cost:$497/year
I have the Platinum plan. For me, the critical item was the civil suit defense/damages funding. Lots of other insurance plans provide for criminal defense, but for civil lawsuits you're on your own. With our litigious society, lawsuits are all too common, and this insurance covers both legal fees AND any damages awarded!
If I only have one phone call, it's going to be to the USCCA Critical Response Team. A call to them, anytime day or night, will get the ball rolling. They will arrange bail and contact your attorney. Don't have an attorney? They have a list of attorneys in your area that are experienced in self-defense law.
Also, don't rely on your homeowner's insurance, even if they say they cover you for self-defense. Usually they will only pay for attorney fees AFTER you are found Not Guilty. You have to pay all expenses up-front, and then try to get reimbursed after the verdict is in. And if you are found guilty of anything (murder, manslaughter, negligence, etc.), you may get nothing, even though your lawyer convinced you to accept a lesser charge. The rules are different for each state, and each insurance company.
Many times whether you are found guilty or not guilty depends on: 1. Do you have a lawyer? 2. Is he a good lawyer? 3. Is he experienced in self-defense law? 4. Do you have the resources to hire a private investigator to search out details? 5. Do you have the resources to bring in "Expert witnesses" to testify on your behalf? 6. Do you have the resources to search firearm and self-defense case law throughout the country to use in your defense? 7. Do you have the resources to search firearms data that would aid in your defense?
These things are crucial, and an organization like USCCA can provide them. And no, I am not a company spokesman; just a happy customer.
Every year since it began in 2004, the USCCA has set up a booth at the NRAconvention. But last year, two weeks before the convention, the USCCA was "dis-invited", and not allowed to set up a booth. Why? The NRA realized that the self-defense insurance business is a money-maker. They came out with their own self-defense insurance, “Carry Guard”, and didn't want any competition at the convention. How crappy is that?
My advice: Go with the USCCA. Check out their website; I think you'll like it
I agree with 777Driver. I've got the Platinum Plan too. My house is what I've got. Without USCCA that's what would be put up to defend myself. The last thing I want to worry about if a thug comes around is should I defend myself because of the possible cost? That split second can have you underground pushin' up Daisies. Then what about his opportunistic kin looking for a fast buck? The couple Hundred $$ annual premium is peace of mind in my opinion.