Right to Bear Insurance Review: Is Self-Defense Liability Insurance Worth It?

In the wonderful world of CCW, there’s also the ever-present topic of CCW insurance. 

If you ever find yourself needing to use your firearm in self-defense, the last thing you want to worry about is dealing with the potential lawsuits afterward, because, surprise…that fancy umbrella policy you have on your home doesn’t cover the use of firearms. 

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That’s where CCW insurance comes in!

Okay, so technically it’s self-defense liability insurance, rather than CCW insurance.

Whatever you call it, companies like USCCA and CCW Safe, among others, offer insurance to individuals to help cover the costs that arise from using your firearm in self-defense.

But who should you choose for your insurance?

Today, we’re taking a look at Right to Bear Insurance to see what they offer, and how they compare to the competition. By the end of this article, you’ll know whether this company is right for you.

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What’s Included in a Right to Bear Policy?

With the pricing out of the way, the main thing to keep in mind is that a Right to Bear policy covers self-defense incidents that involve any legal firearm. 

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There are a few companies that offer policies covering all legal weapons, including knives and whatever else you may have around the house. Depending on how important that is to you, it could be one differentiating factor in considering Right to Bear. 

Do you really want to bring a knife to a gunfight anyway? 

Practically speaking, what the coverage actually does is help pay for your trial defense if you are sued in civil or criminal court (or both!). 

If you are found guilty in civil court, then the policy would cover any costs you would have to pay, up to your coverage limit, with you footing the bill for the rest.

If you’re found guilty in a criminal case for your self-defense incident, however, Right to Bear does not cover the costs of either the trial or any penalties you may have to pay.

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It’s also important to keep in mind that for most types of coverage, Right to Bear provides reimbursement of the costs, rather than helping you pay upfront.

Not a big deal to some people, but those costs can add up quickly. It’s definitely something to keep in mind when shopping for insurance.

In addition to the boring legal stuff, Right to Bear also offers a 24/7 hotline, as well as training videos and webinars on self-defense tactics. 

They also provide weekly educational features on what to do in self-defense situations. All of this is just icing on the insurance cake to keep your skills sharp when you’re not out on the range.

Right to Bear Insurance

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at Right to Bear Insurance

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at Right to Bear Insurance

Prices accurate at time of writing

Right to Bear Insurance

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at Right to Bear Insurance

Prices accurate at time of writing

Right to Bear Insurance Tiers

The biggest deciding factor for most people in choosing which insurance to get is the price. Right to Bear offers four tiers to choose from, depending on the type of coverage you want. 

  • Bronze: $10.95/mo
  • Silver: $20.95/mo
  • Gold: $33.95/mo
  • Platinum: $50.95/mo

Like most insurance providers, they also offer one-time annual fees that can save you a little bit compared to paying the monthly price.

Regardless, the difference in pricing between the tiers is pretty much the same. 

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There’s even a plan for us poor folks.

In addition to the monthly fee, you can also choose to tack on additional benefits — including bail bond reimbursement, compensation for the time you spend in court, spousal coverage (spouse not included), and accidental discharge. 

What’s the Difference?

So what exactly is the difference between the tiers? The main difference between pricing tiers is the amount of coverage you get for each incident and the total amount of coverage you have. 

What that means is if you go from the Bronze level coverage to Silver, your amount of coverage per incident (think per lawsuit) goes up from $25,000 to $250,000. Ten times the difference. 

That seems to be the biggest jump, though the cost at the Silver tier is also twice the cost of Bronze.

Each tier adds more coverage, up to the Platinum level, which provides $1,000,000 coverage per incident, and a total of $2,000,000 in coverage.

Right to Bear vs. Other Insurance Companies

With lots of other companies providing similar self-liability insurance, deciding on which one to go with for your insurance comes down to what you’re looking for. 

Without getting into too much detail comparing Right to Bear with the other guys (check out our comparison article to get a better idea), the main difference here is that Right to Bear offers more flexibility in terms of the different tiers to get the level of coverage you are comfortable with.

If you want unlimited insurance coverage, for example, then you’ll have to go elsewhere for your insurance. Or if you decide that you’d rather have a policy that pays for costs upfront, then Right to Bear may not be the right policy for you. 

However, if you’re just looking for decent coverage at an affordable price, then Right to Bear would be the place to go.

Whatever your needs and wants, just make sure you are making an apples-to-apples comparison. That ensures that you can get the best bang for your buck and still meet all your insurance needs. 

Final Verdict

At the end of the day, it’s better to have any policy than none at all. And if money’s tight, even a Bronze tier with Right to Bear would be better than continuing to stuff your money under the mattress (that’s right, we know where it is). 

And on the plus side, any money not spent on insurance can go towards more guns and ammo. Plus food and gas or whatever, I guess. 

So what’re you waiting for? Go sign up. Get insured.

Right to Bear Insurance

10

at Right to Bear Insurance

Prices accurate at time of writing

View Details

10
at Right to Bear Insurance

Prices accurate at time of writing

Right to Bear Insurance

$10 at Right to Bear Insurance

View Details

10
at Right to Bear Insurance

Prices accurate at time of writing

What do you think of Right to Bear Insurance? Let us know in the comments below. For more on concealed carry insurance, check out our Top Choices for CCW Insurance.

The post Right to Bear Insurance Review: Is Self-Defense Liability Insurance Worth It? appeared first on Pew Pew Tactical.