NRA Carry Guard Review

NRA concealed carry insurance is there to help you cover criminal defense and civil protection costs in the event that you use your gun in self-defense. Even if you do everything right, you can be brought to trial and have to absorb a fortune in costs.

Gun owners that own guns for self-defense often find themselves with debt they can’t get out from underneath if they use their guns in self-defense.

The person that was shot can sue you for damages, or family members of the person can sue you if their loved one died in the shooting.

Gun insurance is quickly becoming a necessity for anyone that owns a gun. The questions of banning guns after recent mass shootings are also causing fear in the industry. If you own a gun and use it, you may face legal trouble in the future.

NRA insurance will help absorb these costs so that you can use your gun in self-defense.

NRA CCW Insurance Overview

nra carryguard price

Carry Guard comes in four main membership types:

  1. Bronze
  2. Silver
  3. Gold
  4. Gold Plus

And each membership offers something different than the previous tier (bronze being the least expensive and gold plus being the most expensive).

Bronze

The Bronze membership is your most affordable insurance option. When you choose the Bronze option, you’re choosing a plan that costs $13.95 per month, or $154.95 per year. Your plan will offer you $250,000 in insurance coverage, too.

Bronze offers:

  • $250,000 of civil protection coverage
  • $50,000 in criminal defense
  • 20% of criminal defense costs in immediate supplementary payments
  • 24/7 access to the NRA carry guard emergency hotline
  • Automatic spouse insurance
  • One-year NRA membership

Silver

The Silver membership is $21.95 per month, or $254.95 per year. This insurance policy offers you $500,000 in coverage. You’ll find that a lot of the options and benefits are the same but with higher limits.

Silver offers:

  • $500,000 of civil protection coverage
  • $100,000 in criminal defense
  • 20% of criminal defense costs in immediate supplementary payments
  • 24/7 access to the NRA carry guard emergency hotline
  • Automatic spouse insurance
  • One-year NRA membership

Gold

Gold members need the utmost in insurance coverage with the plan offering $1 million in coverage for $31.95 per month, or $359.95 per year. The insurance policy’s benefits are, again, much like the silver plan in that the coverages are just higher.

Gold offers:

  • $1,000,000 of civil protection coverage
  • $150,000 in criminal defense
  • 20% of criminal defense costs in immediate supplementary payments
  • 24/7 access to the NRA carry guard emergency hotline
  • Automatic spouse insurance
  • One-year NRA membership

Gold Plus

Gold Plus members get the absolute best insurance benefits. This plan is top-notch, offering $1.5 million in coverage for $49.95 per month, or $549.95 per year.

Gold Plus offers:

  • $1,500,000 of civil protection coverage
  • $250,000 in criminal defense
  • 20% of criminal defense costs in immediate supplementary payments
  • 24/7 access to the NRA carry guard emergency hotline
  • Automatic spouse insurance
  • One-year NRA membership

Keep in mind that all of the plans, unless otherwise specified, are for individual parties. That is, the plans provide full insurance to the individual. Other plans offered by competitors often offer shared plans which will split the coverage among many people.

Shared Benefits Are Dangerous

nra ccw insurance

NRA Carry Guard reinforces the concept of shared benefits being dangerous for policyholders. Shared limits can pose a problem in the event that several policyholders file a claim closely together.

There is even a risk that the policy will be exhausted causing some policyholders to miss out on their benefits.

If, for example, an intruder came onto the property and was shot by two or more policyholders, someone may not have the insurance cover them. It is all dependent on the situation, and it provides a potential lapse in coverage that many that carry will not be able to cover.

Individual limits ensure that if you need to use your insurance, it’s ready and waiting for you.

This is the best protection possible. You’re not subject to shared insurance hazards which do occur.

You’ll also be “fully insured.” What this means is that you have a written contract with the insurance company. A written contract spells out all of your coverage benefits. If an insurance policy is not fully insured, the claim will need to go to a committee which has the right to deny the claim.

It’s a risk that no gun owner should ever subject themselves to when trying to protect their families.

All programs come with access to an entire year of NRA benefits. You’ll receive full benefits, and if you’re already a member, you can pass the membership on to someone else. You’ll also receive access to comprehensive training.

Training video library access is provided. The training videos are full and complete, so you have uninterrupted access to the videos at any time during your membership. When you do have to file a claim, you will also gain access to: legal assistance.

But unlike other insurance companies, you’ll never have to choose counsel provided to you. You maintain the right to select your own counsel if you wish. This is true freedom with your concealed carry insurance.

NRA Carry Guard also offers a quarterly publication to members.

The quarterly publication keeps you in the loop on the latest gun laws, rules and regulations.

Things to Think About Before Becoming a Member

Coverage limits with NRA Carry Guard are superb, and the price is great, too. A lot of little benefits that other companies have get overlooked. When you look at the company’s policy and compare it to others, you’ll find a few things that are important when having insurance:

  • Any Weapon. Some policies will provide coverage for any weapon that you own. This is not the case with NRA insurance. Some weapons are not covered. If you have concerns that your weapon will not be covered, contact the company directly. Guns are the only weapon type that will be covered. Other insurers often offer knife and club coverage.
  • Expert Witness. You do have the right to hire an expert witness for your trial. This is covered within your insurance policy.
  • Attorney. You are not forced to hire a recommended attorney. You have the right to hire any attorney you wish whether or not the attorney is recommended by the NRA or not.
  • Discounts. Many companies will offer discounts to law enforcement and military members. NRA is not one of the insurance companies that offer discounts to these groups.
  • Gun-Free Zones. If you’re in an altercation in a gun-free zone, you will not be covered within the policy’s guidelines. While you’re illegally carrying in these zones, it’s something to think about.
  • Domestic Violence. Defense that involves domestic violence is always a grey area. In the event that a claim is filed that relates to domestic violence, you may not be able to file a claim.

You’ll also benefit from your spouse gaining full coverage thanks to your membership. Spousal coverage is available indoor and outdoor, so your spouse will enjoy many of the same benefits that you do as the main policyholder.

NRA Carry Guard is a great option for concealed carry insurance for any gun owner. And obtaining an individual plan, you can be sure that your policy is 100% available to you when you need it most.