Right to Bear Review: Our Take on This Self Defense Insurance

Who/What is Right to Bear?

Right to Bear is a specialized insurance provider that caters to individuals who legally carry firearms and may potentially find themselves in self-defense situations. This is particularly relevant for those who possess concealed carry permits.

The company recognizes the unique challenges that responsible firearms owners face and offers a range of insurance products designed to provide financial and legal protection in case they need to use their firearms for self-defense.

Right to Bear doesn’t just offer standard insurance coverage. It’s specifically tailored to address the legal and financial implications that can arise when using a firearm for self-defense, even when the use of force is justified under the law.

Without further ado, let’s dive deeper into our Right to Bear Review!

Is self-defense liability support needed?

In a word, yes. Self-defense liability support is a crucial component of Right to Bear’s offerings because it addresses the complex legal issues that can follow a self-defense incident.

When you find yourself in a situation where you have to use a firearm to protect yourself or others, you may think your actions were justified and legal. However, you can’t predict how the legal system will perceive your actions.

Self-defense cases can quickly escalate into criminal and civil trials. Legal expenses, attorney fees, court costs, and potential civil judgments can add up to significant financial burdens.

Right to Bear steps in to alleviate this stress by providing financial and legal support, ensuring that you have access to the resources and expertise needed to navigate the complexities of the legal system.

How Much Does Right to Bear Coverage Cost?

Monthly Cost$11
Annual Cost$125
Criminal Defense MaxUnlimited
Civil Defense MaxUnliimited
Pick Own Attorney?Yes
Money Up Front?Yes
Per Diem MaxNone

The cost of Right to Bear coverage varies depending on several factors, including the plan you select and the level of protection you require. Much like traditional insurance, you pay a monthly premium to maintain your coverage. The cost can vary from state to state due to differing regulations and the availability of specific coverage options.

To determine the right plan for you, consider your individual circumstances, such as where you live, how often you carry a firearm, and your financial situation. While the monthly premiums are an added expense, they are often a wise investment for those who want to ensure their financial and legal security in the event of a self-defense situation.

It’s important to understand that the cost of Right to Bear coverage is just a fraction of what you might incur in legal fees and potential damages if you face criminal or civil charges after a self-protection scenario.

In essence, the cost of coverage can be seen as a form of insurance against the potentially overwhelming legal expenses that can follow an act of self-defense.

Ultimately, the cost of Right to Bear coverage is an investment in your peace of mind and financial stability, ensuring that you can protect yourself and your loved ones without the fear of devastating legal and financial consequences.

What Does Right to Bear Cover?

When you choose Right to Bear CCW insurance, you’re gaining access to a comprehensive set of coverages designed to protect you in the event of a self-defense incident. Here’s a more detailed look at what Right to Bear covers:

Criminal Defense Protection

Defense Protection for criminal cases is a crucial aspect of CCW  insurance offered by Right to Bear. When you find yourself in a self-defense situation, you might end up facing criminal charges, even if your actions were lawful and justified.

Navigating the criminal justice system can be an overwhelming and expensive process, but with Right to Bear’s Criminal Defense Protection, you have a strong support system in place.

Here’s a more detailed look at what this coverage entails:

Attorney Fees: Bear insurance will cover the fees associated with hiring an attorney to defend you in a criminal case. The cost of legal representation can be substantial, and having this financial burden lifted is a significant relief. You can work with a skilled attorney who specializes in self-defense cases to ensure the best possible outcome.

Court Costs: Legal proceedings come with various defense costs, including court fees, expert witness fees, and other expenses. Bear insurance helps cover these costs, ensuring that you can afford the necessary resources to build a robust defense.

Expert Witnesses: In many self-defense cases, expert witnesses may be needed to testify on your behalf. This coverage includes the expenses associated with hiring these experts, who can provide critical insights and testimony in your defense.

Evidence and Investigation: Criminal defense often involves thorough investigation and gathering of evidence. Right to Bear’s protection extends to these aspects, ensuring that your legal team has the resources to conduct a comprehensive investigation to support your case.

Pretrial and Trial Support: From the pretrial proceedings to the actual trial, Bear insurance is there to provide financial support. This ensures that you have the necessary resources for a strong legal defense throughout the entire legal process.

Civil Defense & Liability Coverage

Civil Case Coverage is another essential component of Right to Bear’s CCW insurance. While you may successfully defend yourself in a criminal trial, you can still face civil lawsuits brought by the alleged assailant or their family.

These civil suits can lead to substantial financial burdens, even if you were legally justified in using self-defense. Right to Bear’s Civil Defense & Liability Coverage addresses these issues:

Legal Fees: Just as in criminal cases, civil cases involve legal expenses. Bear insurance covers the fees of your legal representation in civil lawsuits, helping protect your assets and financial stability.

Damages and Settlements: If a civil case results in damages or settlements, Bear Insurance assists in covering these costs. This financial protection ensures that you won’t be personally responsible for potentially significant monetary awards to the plaintiff.

Court Costs: Similar to criminal cases, civil cases involve court costs, and Right to Bear extends its coverage to these expenses. These costs can add up quickly, making it essential to have this coverage in place.

Protection of Personal Assets: Right to Bear’s Civil Defense & Liability Coverage safeguards your personal assets, including savings, property, and other financial resources, from being used to satisfy civil judgments.

Up Front Money

Up Front Money is a critical component of Right to Bear’s CCW insurance. This aspect of the coverage is designed to provide immediate financial support when you need it most. Here’s a closer look at what Up Front Money entails:

Immediate Financial Assistance: In the aftermath of a self-defense situation, you may be confronted with significant and unexpected financial expenses, including attorney fees, court costs, and other legal expenses.

Right to Bear’s Up Front Money feature provides you with access to funds without delay, ensuring that you can secure legal representation and address other immediate financial needs without hesitation.

Reduced Financial Stress: By offering up-front funds, Right to Bear eliminates the stress of having to come up with a substantial amount of money on short notice. This is particularly important because self-defense situations can be emotionally and mentally draining, and worrying about financial resources should not be an additional burden.

Ensured Legal Representation: Up Front Money ensures that you can secure the legal representation you need quickly, potentially making a significant difference in the outcome of your case. You won’t have to wait or struggle to find the necessary funds to hire an attorney to build a strong defense on your behalf.


Bail coverage is an essential component ofCCW insurance provided by Right to Bear. When you are involved in a self-defense situation and subsequently arrested, obtaining release on bail can be crucial. Here’s a more detailed explanation of this coverage:

Financial Assistance for Bail: Right to Bear’s concealed carry insurance bail coverage offers financial assistance to secure your release from custody after an arrest resulting from a self-defense scenario. Being released on bail allows you to continue your daily life and prepare for your legal case outside of a jail cell.

Avoiding Unnecessary Detention: Being detained while awaiting trial can have a range of negative consequences, including lost income, disruption of personal and family life, and the emotional toll of incarceration. Bail coverage ensures you don’t need to experience these hardships.

Preservation of Employment and Family Life: Being released on bail enables you to maintain employment and continue to support your family during the legal process. This is particularly vital for those who are the primary breadwinners for their families.

Peace of Mind: Bail coverage provides peace of mind, knowing that you won’t be unjustly detained during the legal proceedings and that you can continue to work with your attorney to build a solid defense from outside of a jail.

Per Diem

Per Diem coverage is another significant aspect of Right to Bear’s CCW insurance. This feature addresses the daily living expenses you may incur during legal proceedings following a self-defense scenario:

Daily Living Allowance: Per Diem coverage provides you with a daily allowance to cover living expenses such as accommodation, meals, transportation, and other necessities when you’re required to be away from your home, attending court hearings, or dealing with legal matters.

Relief from Additional Financial Stress: Legal proceedings can be time-consuming, often requiring your presence in a location away from your home. Per Diem coverage reduces the financial stress associated with these situations, ensuring that you can maintain your daily life and well-being without the added burden of unexpected expenses.

Flexibility and Support: This coverage gives you the flexibility to focus on your legal defense and attend court hearings without worrying about how you’ll cover your daily expenses. It offers invaluable support during what can be a highly stressful and emotionally taxing period.

Appeal Coverage

Appeal coverage is a crucial aspect of Right to Bear’s CCW insurance that provides support if you need to appeal a court decision:

Legal Expenses for Appeals: In the event that a court decision doesn’t go in your favor, you may choose to appeal the decision. Right to Bear’s appeal coverage helps cover the legal expenses associated with this process, which can be extensive and protracted.

Continued Legal Support: Appeal coverage ensures that you have ongoing access to legal representation and resources, even after an initial verdict. This support is vital for pursuing a favorable outcome and protecting your rights.

Reduced Financial Strain: Pursuing an appeal can be financially burdensome, with costs mounting as the process unfolds. Appeal coverage alleviates this strain, allowing you to focus on the legal process without being hindered by financial worries.

Enhanced Chances of Success: Having access to the financial resources for an appeal increases your chances of successfully challenging an unfavorable court decision. It’s a critical feature for maintaining the fight for justice and a fair outcome.

Choosing Your Own Attorney

One of the standout advantages of Right to Bear’s CCW insurance is the ability to choose your own attorney:

Personalized Legal Representation: With the freedom to select your own attorney, you can work with someone you trust and who has the specific expertise needed for your case. Personalized legal representation can be a significant advantage in building a strong defense.

Comfort and Confidence: Your choice of attorney can greatly impact the outcome of your case. Working with an attorney you’re comfortable with and confident in enhances your peace of mind during the legal process.

Access to the Best Legal Expertise: Right to Bear covers the costs associated with your chosen attorney, ensuring that you have access to the best legal expertise available. This feature underlines the company’s commitment to providing a robust and personalized legal defense for its members.

Firearm Replacement

Firearm Replacement coverage is an often-overlooked yet essential aspect of Right to Bear’s CCW insurance:

Protection for Confiscation or Damage: In the aftermath of a self-defense scenario, your firearm may be confiscated as evidence or damaged during the event. Firearm Replacement coverage ensures that you have the means to obtain a replacement weapon, restoring your ability to protect yourself and your loved ones.

Continued Personal Security: Losing access to your firearm due to confiscation or damage can leave you vulnerable. This coverage guarantees that you can swiftly replace your firearm and maintain your personal security.

Cost Mitigation: Replacing a firearm can be a significant expense. Firearm Replacement coverage helps mitigate this cost, ensuring that you’re not financially burdened by the need for a new weapon.

Peace of Mind: Knowing that you can quickly replace your firearm in the event of confiscation or damage provides peace of mind, allowing you to focus on your personal safety without concern for the potential loss of your self-defense tool.

What’s Not Included With Right To Bear

While Right to Bear offers comprehensive coverage for self-defense incidents, there are some limitations and exclusions that you should be aware of:

No Sales in NY, NJ, WA:

Right to Bear is not available for residents of New York (NY), New Jersey (NJ), and Washington (WA). This is due to the legal restrictions and regulations specific to these states. In these states, there may be pre-existing insurance laws or regulatory requirements that prohibit or significantly restrict the sale of self-defense liability insurance like Right to Bear.

It’s essential for residents of these states to explore alternative options or consult with a legal expert to understand the specific self-defense liability insurance regulations in their area.

Per Diem Coverage:

While Right to Bear does offer per diem coverage to assist with daily living expenses during legal proceedings, it’s important to note that this coverage may not be available in all states.

The availability of per diem coverage can vary depending on the state’s insurance regulations and may be subject to change over time. When considering Right to Bear or any CCW insurance, it’s advisable to check whether per diem coverage is offered in your specific location.

Understanding these limitations is crucial when evaluating whether Right to Bear is the right CCW insurance provider for your individual needs.

If you reside in New York, New Jersey, or Washington, you’ll need to explore alternative options, and if per diem coverage is a critical component for you, you should verify its availability in your state before making a decision.

It’s essential to choose a CCW insurance provider that aligns with your location and the specific coverage requirements you may have.

Pros and Cons to Right to Bear Self Defense Insurance


Comprehensive Legal Coverage: Right to Bear offers a wide range of coverages, including both criminal and civil defense protection, bail assistance, per diem, and coverage for appeals. This comprehensive approach ensures that you’re well-protected in the event of a self-protection scenario.

Financial Peace of Mind: With Right to Bear, you can rest assured that you won’t be burdened with the potentially significant legal expenses that can follow a self-defense situation. This peace of mind is invaluable, knowing you won’t be drained financially due to a legal defense.

Freedom to Choose Your Attorney: The ability to choose your own attorney is a significant advantage. It means you can work with someone you trust and have confidence in, enhancing your legal defense’s effectiveness.

Protection Against Criminal and Civil Legal Action: Right to Bear covers not only criminal defense but also civil lawsuits that may arise from a justified self-defense incident. This dual protection helps safeguard your financial stability in both aspects of the legal process.

Support for Immediate Expenses: Right to Bear provides up-front money for legal representation and bail. This means you won’t be left scrambling to secure funds during a stressful and time-sensitive situation.


Limited Availability: One of the primary drawbacks of Right to Bear is its limited availability. It’s not offered to residents of New York, New Jersey, or Washington due to legal restrictions. If you reside in one of these states, you’ll need to explore alternative CCW insurance options.

Per Diem Coverage Variability: While Right to Bear does offer per diem coverage to assist with living expenses during legal proceedings, its availability may vary depending on your state of residence. It’s essential to check if this coverage is available in your location.

Right to Bear vs Other CCW Insurance

Comparing Right to Bear with other concealed carry insurance providers is crucial to making an informed decision about your CCW insurance.

While Right to Bear offers robust protection, CCW Safe often stands out as a top choice for those seeking CCW insurance. Here’s why:

FeatureCCW SafeUSCCASecond Call DefenseACLDNU.S. Law ShieldRight to BearFirearms Legal Protection
Monthly Cost$16-42$29-49$10-35$12$11$11
Criminal Defense MaxUnlimitedUnlimited$100,000Unlimited*UnlimitedUnlimited
Civil Defense MaxUnlimitedUnlimited$1,000,000Unlimited*UnlimitedUnlimited
Civil Liability Max$1,000,000$2,000,000$250,000$0$0Unlimited
Pick Own Attorney?YesYesYesYesNoYes
Money Up Front?YesYesYesYesYesYes
Per Diem Max$250$750$500n/an/an/a

Why is CCW Safe the best option?

CCW safe

Extensive Coverage: CCW Safe is known for providing extensive coverage that includes both criminal and civil cases, bail bond coverage, and a broad range of expenses. Their commitment to their members’ protection and their comprehensive support in self-defense scenarios make them an excellent choice for those seeking insurance.

State-Specific Plans: CCW Safe offers state-specific plans that are tailored to the legal and regulatory landscape of individual states. This ensures that you get coverage that is highly relevant to your specific circumstances, providing a level of customization that may not be available with other providers.

Emergency First Aid Training: CCW Safe goes the extra mile by offering emergency first aid training, helping their members be better prepared to provide assistance in life-threatening situations. This additional training can be invaluable in self-defense incidents.

Experienced Legal Team: CCW Safe boasts an experienced legal team that specializes in self-defense cases. Having legal experts with a deep understanding of the intricacies of self-defense laws is a significant advantage for their members.

Ultimately, the choice between Right to Bear and CCW Safe, or any other concealed carry insurance provider, should be based on your individual needs, location, and priorities. Carefully review the offerings, costs, and limitations of each provider to determine which one aligns best with your specific requirements and preferences.


In the uncertain world we live in, where self-defense situations can unexpectedly arise, having insurance like Right to Bear is not just a prudent decision; it’s a responsible one.

While no one ever hopes to find themselves in a situation where they need to use a firearm for self-defense, it’s essential to be prepared for the unexpected. Right to Bear provides a safety net that can make all the difference in such a scenario.

Responsible gun owners understand that being armed with more than just a firearm is crucial. It’s about being armed with the knowledge that, in case of a self-protection scenario, you have the financial and legal support you need.

This support includes coverage for criminal and civil cases, up-front funds for legal representation, bail assistance, per diem coverage for living expenses, coverage for appeals, and the flexibility to choose your own attorney.

Moreover, Right to Bear even covers firearm replacement in case your weapon is confiscated or damaged.

The peace of mind provided by self-defense insurance policy cannot be overstated. When you choose a plan that aligns with your needs and location, you are making an investment in your personal safety and financial security.

You’re also ensuring that you can protect yourself and your loved ones without the fear of crippling legal and financial consequences in the aftermath of a self-defense incident.


Do I really need self-defense insurance?

While CCW insurance may not be a legal requirement, it’s a wise choice for responsible gun owners. It provides legal protection and peace of mind in case you ever need to use your firearm for self-defense.

What should I consider when choosing self-defense insurance?

When selecting self-defense insurance, consider factors such as coverage levels, cost, limitations, the provider’s reputation, and the legal and regulatory landscape in your state. It’s essential to choose a plan that aligns with your specific needs.

Can I choose my own attorney with Right to Bear?

Yes, Right to Bear allows you to select your attorney. Having this choice is a significant advantage, and the company will cover the associated legal costs, ensuring you have the legal representation you trust.

Why can’t residents of NY, NJ, and WA purchase Right to Bear coverage?

Legal restrictions in these states prohibit or significantly restrict the sale of self-defense insurance like Right to Bear. Residents of these states should explore alternative options or consult with a legal expert to understand the specific self-defense insurance regulations in their area.

Are there other options besides Right to Bear?

Yes, there are several self-defense insurance providers available. It’s crucial to compare your options and select the one that best aligns with your specific needs and location. Each provider may offer different coverage, costs, and limitations, so careful consideration is essential.

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