Right To Bear offers value-centered, custom firearm liability insurance. Promoted as the only American insurance company dedicated to protecting the individual liberties of the people, the insurer aims to protect responsible gun owners from liability.
Multiple insurance options are available, and as an “A” rated entity, gun owners looking for self-defense insurance will find an option perfect for their insurance needs.
The Bronze tier is the most affordable insurance option offered through Right to Bear Arms. Bronze policyholders will have the following coverage for $10.95/month or $115 per year:
Per Incident: $25,000
Aggregate Total: $50,000
Bronze is an ideal coverage option for the firearm owner who doesn’t have a lot of assets or doesn’t own their own home. Since the total coverage is only $50,000, it’s a great option, especially for gun owners with a low risk of having to discharge their firearms.
The Silver policy is the best option if you want to beef up your coverage to cover a substantial liability or criminal charge. Silver policyholders will have the following coverage for $20.95/month or $235 per year:
Per Incident: $250,000
Aggregate Total: $500,000
Silver’s higher limits are a good option for many people who own modest homes and have assets of $500,000 or less.
As a Gold member, you’ll have double the coverage as the silver tier for just $13 more per month. Gold policyholders will have the following coverage for $33.95/month or $385 per year:
Per Incident: $500,000
Aggregate Total: $1 million
Gold memberships are the most popular and offer substantial coverage. With a total of $500,000 in per-incident coverage, you’ll be well protected from any liability claims.
Platinum is the highest tier possible, with a total liability coverage of up to $2 million. Platinum policyholders will have the following coverage for $50.95/month or $595 per year:
Per Incident: $1 million
Aggregate Total: $2 million
As a Platinum policyholder, you’ll have the best coverage possible.
Additionally, Right to Bear Insurance offers the following coverage on all tiers:
Expert witness coverage
24/7 claims hotline
The 24/7 hotline is a crucial addition to an insurance plan that is easy to overlook. All members can call the hotline and get real-time assistance. Agents are ready to connect you with a legal claims expert who will help you navigate the complexities of legal claims if they do arise.
And with your upfront payment for insurance, you can be confident that any lawsuits brought against you will not lead to substantial financial hardships. In fact, your premium ensures that you don’t have to pay any out-of-pocket expenses unless you exceed the limits of your policy.
Note: Multi-state coverage is available in all states except for the following: New Jersey, New York and Washington.
Self-defense insurance isn’t a one-size-fits-all approach.
You may need or want different coverage, depending on your unique needs. Thankfully, Right to Bear Insurance offers add-on options that can be added to any of the plans above, but the price for each will vary by plan.
The additional insurance add-ons available include:
If you have a spouse, you need spousal coverage. Why? Let’s assume that your husband or wife isn’t on the policy, and someone breaks into your home while you’re away at work. In self-defense, your spouse picks up the firearm and shoots the intruder.
Unfortunately, if the person isn’t on your policy, the insurance coverage will not extend to your spouse, leaving both of you liable in any lawsuits.
Instead, you can add your spouse to the policy for the following:
These costs are annual.
Bail Bond Reimbursement
If you are arrested and bail is allowed, the cost of bail will be reimbursed to you. The cost to add bail bond reimbursement is $75 across all plans. Depending on the plan, coverage may be as much as $50,000.
If you’re caught discharging your weapon and it’s an accident, the standard policy coverage will not cover these costs. However, if you want, you can add coverage for $75. This is a good option for anyone who conceal carries because there is a greater risk of accidental discharge occurring,
All policyholders also gain a wealth of training and educational documents. When you sign up, you’ll gain access to the following as part of your membership:
Gun owners have a right to remain responsible, and this responsibility comes through education. You’ll learn self-defense basics and how you should react in critical situations. Education and training materials are often updated, with new materials added periodically.
Policyholders will have coverage as an individual and not based on their firearms. So, if you purchase new guns and one is used in self-defense, you can be confident that the coverage is valid.