I've been doing some research on the various options/companies that sell insurance policies to protect you in the event you are in a situation where it is necessary to protect yourself by making use of your firearm. We live in a time where the world is upside down and I've had this nagging sense that I need to take out some type of carry insurance in the event I am in a situation that requires the use of a firearm for protection.
I have not taken any action yet but, I wanted to share some documentation that I've researched and received should anyone else need it.
NRA Carry Guard - I received the following information from them on 1/16/18, in email, after an inquiry I made.
Carry Guard Membership only:
NRA Carry Guard members get access to exclusive benefits unmatched by any other self-defense membership program in the world. Your annual membership fee of $69.45 offers you:
Access to world-class, comprehensive online and in-person training.
A free, giftable one-year NRA membership with full NRA member benefits.
A subscription to the premium NRA Carry Guard magazine filled with all the things carry related.
Access to the NRA Institute of Legislative Access.
Access to the Attorney Referral Network.
Free entry into the NRA Carry Guard Expo.
Carry Guard Membership with Insurance Benefit ($69.45 already included in prices)
Gold Plus ($549.95 annually or $49.95 monthly)
$1,500,000 of civil protection with $250,000 in criminal defense costs reimbursed after acquittal or dismissal, with up to 20% ($50,000) of the criminal defense costs limit available as supplementary payments.
Gold ($359.95 annually or $31.95 monthly)
$1,000,000 of civil protection with $150,000 in criminal defense costs reimbursed after acquittal or dismissal, with up to 20% ($30,000) of the criminal defense costs limit available as supplementary payments.
Silver ($254.95 annually or $21.95 monthly)
$500,000 of civil protection with $100,000 in criminal defense costs reimbursed after acquittal or dismissal, with up to 20% ($20,000) of the criminal defense costs limit available as supplementary payments.
Bronze ($154.95 annually or $13.95 monthly)
$250,000 of civil protection with $50,000 in criminal defense reimbursed after acquittal or dismissal, with up to 20% ($10,000) of the criminal defense costs limit available as supplementary payments.
Immediate access as needed to supplementary payments of up to 20% of the criminal defense limit include:
Attorney consultation and retainer fees
Bail money
Insured loss of earning up to $250 per day
Replacement of legally possessed firearms
Clean-up costs for the insured’s residence
Psychological support counseling
Each NRA Carry Guard named insured has his or her own insurance limit. Other plans may have a shared limit among all members.
Spouses are automatically covered, inside and outside the residence, at no additional cost.
Residential family members are covered for acts of self-defense in the home at no additional cost.
Civil Defense Legal Fees are paid by the carrier and do not reduce your overall limits.
All NRA Carry Guard benefits are fully insured. Other plans may utilize a committee to determine whether benefits apply.
Immediate access to the NRA attorney referral network and the ability to select your own counsel
Occurrence based policy. Other plans may mention “occurrence” but they are really a claims made policy.
The NRA endorsed insurance program has had a form of self-defense coverage since 2000.
Emergency hotline available 24/7.
We have additional information on the website under our FAQ at https://www.nracarryguard.com/help/faq/
I have not taken any action yet but, I wanted to share some documentation that I've researched and received should anyone else need it.
NRA Carry Guard - I received the following information from them on 1/16/18, in email, after an inquiry I made.
Carry Guard Membership only:
NRA Carry Guard members get access to exclusive benefits unmatched by any other self-defense membership program in the world. Your annual membership fee of $69.45 offers you:
Access to world-class, comprehensive online and in-person training.
A free, giftable one-year NRA membership with full NRA member benefits.
A subscription to the premium NRA Carry Guard magazine filled with all the things carry related.
Access to the NRA Institute of Legislative Access.
Access to the Attorney Referral Network.
Free entry into the NRA Carry Guard Expo.
Carry Guard Membership with Insurance Benefit ($69.45 already included in prices)
Gold Plus ($549.95 annually or $49.95 monthly)
$1,500,000 of civil protection with $250,000 in criminal defense costs reimbursed after acquittal or dismissal, with up to 20% ($50,000) of the criminal defense costs limit available as supplementary payments.
Gold ($359.95 annually or $31.95 monthly)
$1,000,000 of civil protection with $150,000 in criminal defense costs reimbursed after acquittal or dismissal, with up to 20% ($30,000) of the criminal defense costs limit available as supplementary payments.
Silver ($254.95 annually or $21.95 monthly)
$500,000 of civil protection with $100,000 in criminal defense costs reimbursed after acquittal or dismissal, with up to 20% ($20,000) of the criminal defense costs limit available as supplementary payments.
Bronze ($154.95 annually or $13.95 monthly)
$250,000 of civil protection with $50,000 in criminal defense reimbursed after acquittal or dismissal, with up to 20% ($10,000) of the criminal defense costs limit available as supplementary payments.
Immediate access as needed to supplementary payments of up to 20% of the criminal defense limit include:
Attorney consultation and retainer fees
Bail money
Insured loss of earning up to $250 per day
Replacement of legally possessed firearms
Clean-up costs for the insured’s residence
Psychological support counseling
Each NRA Carry Guard named insured has his or her own insurance limit. Other plans may have a shared limit among all members.
Spouses are automatically covered, inside and outside the residence, at no additional cost.
Residential family members are covered for acts of self-defense in the home at no additional cost.
Civil Defense Legal Fees are paid by the carrier and do not reduce your overall limits.
All NRA Carry Guard benefits are fully insured. Other plans may utilize a committee to determine whether benefits apply.
Immediate access to the NRA attorney referral network and the ability to select your own counsel
Occurrence based policy. Other plans may mention “occurrence” but they are really a claims made policy.
The NRA endorsed insurance program has had a form of self-defense coverage since 2000.
Emergency hotline available 24/7.
We have additional information on the website under our FAQ at https://www.nracarryguard.com/help/faq/
