Only you can decide if concealed carry insurance is “worth it” for you and your particular situation.
Carrying a firearm (CCW) for self defense or keeping a firearm in your home for defense is a great way to protect yourself and your family. However, after you use your firearm in self-defense, who is going to help protect you?
As an attorney, one of the first things I tell my clients when they’re trying to figure out how to handle a particular problem is “it’s often better to avoid a fight than it is to win a fight.” After all, when legal costs are involved, “winning” can be VERY expensive.
The same is true when it comes to using your firearm for self-defense. If you can avoid a fight, it is almost always better than getting into the fight…even if you win. Even if you “win” the fight, there are still going to be costs – you might be injured, you might have to deal with the psychological effects of taking another’s life, and you might have substantial legal costs (even if your use of force is eventually found to be justified).
Don’t get me wrong: if you need to use lethal force in self defense, I hope that you’ve prepared yourself to act swiftly and severely when it’s needed. Regardless of the financial cost, saving your life or your loved one’s life will always be worth it.
Just know that the cost of using your firearm in self-defense may be very high. If you are prosecuted you will have criminal defense costs and even if you aren’t charged with a crime, you may also have to cover the costs of a civil trial if someone sues you (the person you shot and/or their family).
In a criminal trial, you might need to come up with $20-30k as a deposit for a criminal defense attorney just to start and it is not unheard of to have a few hundreds of thousands of dollars legal defense cost. For civil trials (there can be more than one at once), you’ll also have legal costs and may even need to pay large settlements.
Enter CCW Safe and USCCA – they were created to help with “ccw insurance” along with a few other organizations. Want to see how they compare to other concealed carry insurance options? Check out this Gun University article: Concealed Carry Legal Protection Services Compared