I'll mention this again, because it is important enough to make me decide to get TWO insurances, CCWSafe and USCCA, to make sure I am covered in every situation.
CCWSafe is, in my opinion, the most effective and well-thought out of the self-defense insurance carriers. I've spoken at length with them about their captured insurance company LE model as well as their successful defense cases. They are run by people who are very good at what they do and they offer the broadest of coverages with essentially the highest limits (often none depending on the type of legal action).
USCCA is very good, as well, although they have some civil liability coverage caps and such that top out at about $2 million.
However, EXTREMELY IMPORTANT, is the fact that USCCA covers defensive shootings in CMHCFZ (Criminal Murder of Helpless Citizens Facilitation Zone) and CCWSafe does not. They rationalize it as they only cover where it is legal to carry, even if it is necessary or prudent to carry in a GFZ, or if one is doing so as a means of civil disobedience.
I'm fine with paying about $1,000 total ($996, actually) to be covered in all situations, because it just means a bit less ammo to shoot but peace of mind.
However, if CCWSafe covered self-defense with firearms and weapons in places where idiotic laws prohibit effective self-protection, they would be hands-down the top choice.
@ChicagoRonin70, it appears you are correct. CCW Safe will not cover you if you are carrying in a GFZ or a place that is posted. They mentioned this on their podcast and I remember them saying that, even if you are carrying in a GFZ and had to use your firearm in self defense, that they would look at the total circumstance and would not entirely rule out coverage. That is very misleading and unethical for them to say that since their very own website says that's not true.
I tend to agree with you that "if CCW Safe covered self-defense with firearms and weapons in places where idiotic laws prohibit effective self-protection, they would be hands-down the top choice."
So which plan do you have with USCCA? And where does USCCA say that they will still provide coverage in GFZ?
Below is from the CCW Safe FAQ page where they explicitly call this out that they will not cover you (click the image to expand to full size):
I actually spoke with someone from the USCCA regarding coverage in Unarmed Citizen Murder Facilitation Zones and was told that they do, in fact cover defensive firearm uses in such places. I also saw it somewhere on their website at some point, but I can't recall where.
However, the Virginia Citizens Defense League did a survey comparison of the various self-defense insurance plans, and put them in this PDF:
In it, under the question . . .
Q: Is the member covered anywhere they can legally be?
. . . the USCCA responded . . .
A: Yes. The intent of the policy is to provide legal and financial backing in the event a member is involved in an act of self-defense with a legally possessed weapon of opportunity regardless of any violation of a concealed carry or similar law.
Under the question . . .
Q: Are there any restrictions on where coverage is offered?
. . . the USCCA responded . . .
A: The intent of the policy is to provide legal and financial backing in the event a member is involved in an act of self-defense with a legally possessed weapon of opportunity regardless of any violaon of a concealed carry or similar law. The USCCA advocates for members to know the gun laws of each specific state, reciprocity with your permit or permits to carry, and to be responsibly armed Americans. The membership benefits will only cover act of self-defense incidents.
That is consistent with what I was told in my phone conversation with a representative of the USCCA regarding coverage in Unarmed Citizen Murder Facilitation Zones, so I expect that it is written down somewhere as well.
I will be renewing my self-defense insurances and upgrading to the top plans in both CCWSafe and USCCA, with the maximum coverage provided by both companies.
Edited by ChicagoRonin70, 20 May 2019 - 12:38 AM.