What You Need to Know About CCW Insurance Coverage

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What You Need to Know About CCW Insurance Coverage

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When you concealed carry, you prepare for the worst possible outcome at any given moment. Whether it's concealed carry in your car or concealed carry at home, you carry a gun to defend yourself and your loved ones from unforeseen threats.

You are not alone. Many are looking for the same peace of mind. According to the Crime Prevention Research Center, 2021 saw the total number of gun permits rise above 21.5 million, a 48% increase since 2016.

However, while you may prepare to fight for your life, you also need to prepare to fight the legal battles that you will face after using your firearm in self-defense.

Right or wrong, most self-defense actions involving concealed carry weapons wind up in court to decide if the concealed carrier acted in defense or malice.

CCW Insurance Is Good To Have If Anything Happens

Concealed carry insurance exists for these exact situations. It’s designed to help law-abiding concealed carry citizens who act in self-defense face criminal and civil charges. 

If you have your CCW or have a firearm at home that you would use in a self-defense situation, it’s essential to have a base knowledge of concealed carry insurance and why you might need it. 

Remember, this is not legal advice. For more information on the legal proceedings of a self-defense case, start by talking with your CCW instructor or a lawyer who has experience in these types of cases. 

What Is Concealed Carry Insurance?

Like any other form of insurance, concealed carry insurance is designed to combat the liability costs of performing a specific action, like driving a car. In this case, using lethal force is the action in question.

Concealed carry insurance is designed to cover the legal expenses that come with the criminal charges and civil suits you may face after using your firearm to defend yourself. 

What does CCW Insurance actually cover?

Here are just a few of the legal expenses you may incur:

  • Bail bond expenses
  • Attorney retainer and hourly fees
  • Court and legal fees
  • Witness, deposition and investigative fees

All of these fees are costly and can add up quickly. Many times, they can reach several hundred thousand dollars. 

Once you clear criminal proceedings for your self-defense action, you may be served civil lawsuits from family members or other involved parties. Civil cases also include attorney and court fees. If any suits win, you will have to pay damages to the plaintiff or appeal fees to take the case to a higher court.

Even if you are completely in the right for your action

Learning What Concealed Carry Insurance Is NOT.

Concealed carry insurance or CCW insurance is designed to provide coverage for using lethal force in self-defense and self-defense alone. Concealed carry insurance is not designed to do the following:

  • Cover for murder. Concealed carry insurance is only meant to help in situations where the person was using lethal force in self-defense. It doesn’t give people with a firearm a free pass to harm others without proof of a life-threatening situation.
  • Cover unlawful discharge of a weapon. CCW insurance doesn’t cover legal expenses for the reckless discharge or use of a firearm in a designated no-firearm zone 
  • Cover firearm negligence. If a child is harmed by mishandling a firearm or you injure someone with a misfire while hunting or going to the range, your CCW insurance will not cover your legal expenses. These are considered negligent acts that could have been avoided with proper care. CCW insurance only works if you use your firearm in self-defense. 
  • Replace your firearm if it is damaged or stolen. Concealed carry insurance is meant to cover legal fees, not to replace a stolen or damaged concealed carry gun. 

Is Concealed Carry Insurance Worth the Money?

While plans vary in cost and scope, CCW insurance policies or concealed carry associations can cost anywhere between $120 to clear over $500 per year. This may seem like a lot to spend, especially if the chance of needing to use your firearm is low. 

While we don’t have a definitive answer to the question “is concealed carry insurance worth it,” there are certainly pros to having a solid policy to fall back on if you are ever forced to use your firearm to defend your life. 

3 Pros of Having Concealed Carry Insurance:

  1. Coverage for the cost of bail bonds, court fees, attorney fees, expert witness fees, private investigator fees and civil damages. As mentioned earlier, the costs of court cases are enormous. Many policies have unlimited criminal protection amounts and varying civil coverage.
  2. Access to a network of lawyers and attorneys. Some CCW insurance companies have a network of defense lawyers to help you find a professional who has experience and knowledge in self-defense cases. 
  3. Funds to help cover daily expenses while you are in court or other legal proceedings. Many CCW insurance policies include “per concealed carry diem” coverage to help cover for everyday expenses your family may encounter while you’re out of work.

While we can’t cover the pros and cons of the most popular options here, it’s critical that you review the policy of your choice carefully before signing on the dotted line. Just like any other insurance, you want to make sure the coverage you purchase meets your needs in a legal defense. 

Concealed Carry Safe Storage Options

If you’re looking for a place to store your firearm of choice while at home, check out our collection of concealment wall art, gun concealment flags and home decor. We have a variety of gun concealment furniture options to fit any room and style. 

Each piece of concealment furniture is crafted in the U.S. and designed to keep weapons secure while accessible in case of those one-in-a-million situations.

Need help finding the perfect piece for your firearm or have questions about our products? Visit our contact page to get in touch with a team member who would be happy to assist you.
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Hanging instructions for the Patriot Wall Shelf

Factors to consider befor you start

Installing a Patriot wall shelf can be a very simple project but there are several factors that you need to understand. our shelves have been designed to work with standard pine 2X4 construction that was 16" on center. Because they were designed around the 16" on center pine 2X4 framed walls that is the process for our instructions. Installing the shelves on amy other type of wall is done at your risk. Liberty Home Concealment does not advise you to attempt installing your shelf onto amy other type of wall.

Understanding what is beneath your walls

Anytime you are doing work or attaching something to a wall it is wise to have a solid grasp of what lies beneath the surface of your walls. If you are not comfortable with the task of hanging a shelf on your wall perhaps it would be wise to hire a licensed, bonded, and insured contractor to install the shelf on the wall for you. There are many factors that you should consider prior to beginning yur shelf installation. SAFETY is the first and top priority.

Safety First

As a consurmer of Liberty Home Concealment, it is a safe assumption that you are a gun owner. Liberty Home Concealment sincerely hopes that you have a great grasp of the concept of SAFETY FIRST. The installation of our shelves requires several steps and we highly recommend that you have a friend help you with the installation. This is very important as the size and moving parts of the shelves can make the installation very cumbersome and potentially dangerous for a single person to accomplish by themselves. So please, we urge you to get some help. Secondly, proper tools that are in good serviceable condition are a must. Please use your tools in a manner consistent with the manufacturers intended use. Using proper tools can make the installation quick, simple and enjoyable. But most importantly, SAFE. So, save yourself the trouble and use the proper tools.

CAUTION!!

Failure to follow and comply with these instructions could result in INJURY and even DEATH!

Tools that should be considered for a safe proper installation

Stud finder, Tape measure, Pencil, Level, Electric screw driver, and Safety glasses.

Step 1

Confirm your desired wall has adequate support by finding the studs with the stud finder. Also, remove the foam insert until later instruction. Mark your stud locations and transfer those measurement onto your shelf. Drill pilot holes through shelf in marked locations. We recommend using a 1/8" or 3/16" bit for the pilot hole. A hole too big will allow the screw to pull right through the back of the shelf. That would be bad. And unnecessary. Please use the proper drill bit. Depending on your wall you should be able to locate at least two studs to anchor your shelf into for maximum strength. Some walls may even allow for three studs to be anchored into. The shelf MUST use at LEAST (2) pine 2X4 studs and the shelf bracket's to fully support the finished loaded weight.

Step 2

With the help of a friend, and using a level and your original measurements hold the shelf in its desired location and transfer the pilot hole locations to the wall. You should be using a minimum of two studs for this step. Each stud receiving (3) screw locations. Two internally, and the other two in the brackets on top. For now, only focus on marking the internal locations. Mark the four internal screw holes. Make sure to hold your shelf nice and level for this step or yur final installation will be crooked.

Step 3

With the help of a friend, hold the shelf into its' mounting location. Line up the holes in the shelf with the marks in your wall and your wall anchors, and install the six long wood screws into the wall. Four into two different studs, and two into the wall anchors.

Step 4

Installing the shelf brackets to the TOP of your shelf. At this point your shelf is attatched to the wall but it is not ready for any weight. Please DO NOT ADD ANY WEIGHT until you have firmly mounted and anchored your brackets into the top. Have your friend help you support the weight of the shelf until you can get the brackets tightly mounted to the desired location on your wall studs. Again, use two studs. Do not add weight to your shelf either inside, or on top, until both brackets are fully installed. Using the supplied 3/4" screws attach brackets to the top of the shelf and 2 of the longer screws for the stud attachment.

Step 5

Unlocking your shelf. Use your magnetic key to locate and unlock the bottom of the shelf. Do this while the shelf is open so you can see what is going on. You may even want ot make two small marks on the bottom of the shelf if it helps you to locate the pickup. It will take a little practice to find the location of the magnetic pick up but you will find it. Make sure you aren't inadvertently trying to unlock the gas damper. Once the location of the lock pickup is located, the magnet will hold itself in place. However, the shelf will not fully disengage the locks until you release the pressure on the locks by lifting the shelf slightly upward with a simple squeeze of your hands. Once you hear the audible clicks of the locks disengaging you can slowly open the shelf allowing the gas damper to lower the shelf to its resting stop.

Concealment Picture Frame Installation Instructions

Consider What is Beneath Your Walls

Anytime you are doing work or attaching something to a wall it is wise to have a solid grasp of what lies beneath the surface of your walls. If you are not comfortable with the task of cutting a hole in a wall perhaps it would be wise to hire a licensed, bonded, and insured contractor to install this item in the wall for you. There are many factors that you should consider prior to beginning your shelf installation. SAFETY is the first and top priority. CAUTION!! Failure to follow and comply with these instructions could result in INJURY or even DEATH!!

Recommended Tools

These tools are not required to install your Liberty Home Concealment picture freame however they will help with the installation process. Stud Finder, tape measure, level, pencil, jigsaw, circular saw, keyhole saw, Sawzall, drill/driver, inspection mirror, flashlight and a second set of hands to help with marking your wall before cutting. These products were designed to work with "standard" 2X4 construction that was framed on 16" centers.

Step 1

Acquire all the tools to complete the job. Do not forget about proper personal protective gear.

Step 2

Confirm that your wall space is empty!! Failure to do so could result in serious injury or even death!

Step 3

Clean your work area around your desired install location. Cover any furniture with a tarp, drop cloth, or painter's plastic to aid in quick easy cleanup.

Step 4

Use a stud finder to locate the space between two studs. Confirm that you have 14.5" between the two stud edges before marking and cutting your walls.

Step 5

The back box of your picture frame is the size you need to make your hole. Hold picture frame tight against the wall and use your level to ensure frame is sitting level against the wall. On smaller sized picture frames such as 5"X7" and 8"X10" you will fasten to both studs. While holding the picture frame tight against the wall while checking for level and trace around the outside perimeter of the picture frames back box.

Step 6

Before cutting the entire wall opening Liberty Home Concealment recommends that you cut a small hole within the area that wil become the full-size hole. This is done to check and confirm your wall is truly clear of obstructions inside the wall such as electrical wiring plumbing. It's much easier to patch a small hole vs repairing a large hole because you got ahead of yourself. Do not skip this step!!

Step 7

Once you are sure that there are no obstacles inside your cut area, cut the full rectangle that you have marked previously. Remove drywall cutout away from the wall.

Step 8

Slide your new insert/picture frame into the hole you just cut.

Step 9

Use the supplied screws to fasten to the stud or studs that run up the sides of the rear of the box. On smaller frames box will only fasten to the stud you biased your hole towards.

Picture Installation

1. Lay frame face down on soft surface such as a towel or blanket. 2. Hold firmly and slide picture frame in to the open position. 3. Remove four metal picture retainer clips, if clips are tight use a flat bladed screw driver to wiggle free. 4. Remove wood backer noard and lay picture onto glass. Making sure of proper orientation. 5. Reinstall backer board and 4 retaining clips. 6. Slide picture frame closed and enjoy!

Wall maunting instructions for Freedom Series Coat Rack

Recommendation

Liberty Home Concealmemt does not recommend the use of hollow wall anchors to mount larger items on your walls. While anchors may provide sufficient holding capability, Liberty Home Concealment recommends attaching directly to the studs located inside your wall to ensure the most secure level of attachment.

Step 1

Choose the desired location of the item you are wanting to mount your coat rack.

Step 2

Once you have your ideal location use a stud finder to locate 2 studs in your wall that will support your coat rack. Mark the location of each stud's center with a pencil. Use a nail to confirm stud has been located.

Step 3

Hold product against wall and use level to make sure it is even. Use a friend to help hold level while transferring stud location marks to inside of product to be mounted. Tip: Remember the adage "Measure twice cut once." That same rule applies when making holes in your walls.

Step 4

Check that product is plumb and level before securing. Once proper placement is achieve fasten first screw through product and into stud. Re check for level and attach second screw into next stud.

Step 5

Step back and admire your handy work. Now get started filling your piece of concealment furniture with all the items you are wanting to keep stored securely out of sight. ENJOY!!

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