CCW Insurance

[GFK]

May not be a thought or a concern, but I thought that I would pass this on. I went with SecondCall Defense (https://gununiversity.com/concealed-carry-insurance/). I should not to choose such a thing. But, I should not have to lock my doors either. On paper, I like the product: whether at home, in the woods or out and about, it seems to have you covered. It only offer 3 levels. The difference is the amount of liability protection. Customer service is not as responsive as I would like. However, the 24/7 emergency line is pretty responsive; I suspect that is the most important part. Nevertheless, I will see how things go.

[daytime dave]

I don't think they offer it in NY. A friend said he tried to get it, but it was not offered in NY.

[Mags]

I have US Law Shield. Similar benefits as GFK shared about SecondCall. Also with US LawShield the premiums never increase as long I stay current. CCW insurance is banned in New York state, New Jersey and Washington state.

[GFK]

U.S. LawShield is what got my attention. I was in a LGS, and there was advertisement about it. Because of upfront money provided during a covered situation and liability protection, I leaned toward CCW Safe and SecondCall Defense. Due to its simpler structure (all 3 plans cover anywhere: CCW, home or even hunting), I went with SecondCall. Also, I like the part that no money is returned, win or lose.

I find it interesting that NY, NJ and WA has banned liability insurance. It seemed the states want people to experience hardship, if they are forces to use a firearm in the defense of themselves or others.

[DsGrouse]

I probably need to look into this

[GFK]

[Mags]

...
I find it interesting that NY, NJ and WA has banned liability insurance. It seemed the states want people to experience hardship, if they are forces to use a firearm in the defense of themselves or others.

Those states are afraid these policies would be used by malicious actors as insurance against intentional criminal acts, by falsely claiming self defense.

[GFK]

I guess that is as good as a reason for requiring a background check to buy ammo, like CA and NY. But, do crooks follow the law?

[BrokenolMarine]

I have seen some posts and videos by reputable channels warning to do your research. Some big names in the ccw insurance game are like state farm. They talk a great game and take your money for years. Then when something happens, find a reason NOT to be there and pay the full amount you contracted, even if YOU did everything right.

[GFK]

Thanks!! By chance, is there a company that you might feel comfortable with?

P.S.
I did check BBB for SecondCall Defense, CCW safe and US Law Shield. Of the 3, Second Call Defense was the only one that did not have complaints. It could mean that people did not bothered to complain?