Right to Bear Review: “CCW Insurance” for $19/month?
We go over where Right to Bear legal coverage protects you, their extra add-ons, and an exclusive savings code.
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In the wonderful world of concealed carry, there’s also the ever-present topic of "CCW insurance."
If you ever find yourself needing to use your firearm in self-defense, the last thing you want to worry about is dealing with the potential lawsuits afterward...
Because, surprise...that fancy umbrella policy you have on your home (probably) doesn’t cover the use of firearms.
That’s where CCW "insurance" comes in!
Okay, so technically it's self-defense protection or coverage, rather than "CCW insurance."
Whatever you call it, companies like USCCA and CCW Safe, among others, offer coverage to individuals to help cover the costs that arise from using your firearm in self-defense.
But who should you choose for your coverage?
Today, we’re taking a look at Right to Bear to see what they offer, and how they compare to the competition. By the end of this article, you'll know whether this protection is right for you.
Disclaimer: You should double-check everything in your policy since things get updated from time to time.
Table of Contents
What's Included in a Right to Bear Policy?
Practically speaking, what the coverage actually does is help pay for your trial defense if you are sued in civil or criminal court (or both!).
If you are found guilty in civil court, then the policy would cover all attorney costs you would have to pay during that trial.
If you’re found guilty in a criminal case for your self-defense incident, Right to Bear would not try to recoup costs from you. This is a big difference from some other providers who will claw back fees.
It’s also important to keep in mind that for most types of coverage, Right to Bear provides the cost up front, rather than reimbursement.
This is a big deal to some people since these costs can add up quickly. It’s definitely something to keep in mind when shopping for coverage.
In addition to the boring legal stuff, Right to Bear also offers a 24/7 hotline that's attorney answered, as well as training videos and webinars on self-defense tactics.
Although we're a gun-centric blog...it's great to note that Right to Bear covers all legal weapons.
They also provide weekly educational features on what to do in self-defense situations. All of this is just icing on the cake to keep your skills sharp when you’re not out on the range.
We also secured a 10% off coupon for our readers with code PEWPEW10.
Right to Bear Coverage Plans & Add-Ons
The biggest deciding factor for most people in choosing which protection plan to get is the price. Right to Bear had a tiered system before that made you choose the amount of protection.
But now it's one price for unlimited coverage. Current rates are $19/month for 2026.
Like most providers, they also offer one-time annual fees of $205 that saves you one monthcompared to the monthly price.
Use code PEWPEW10 to get it down to $185 for a full year.
You can also get an entire Family Plan for $425 or $40/month (2 adults and unlimited children). Select it when you're signing up.
Out of those other benefits, I'm really digging psychological support and expert witness coverage. And not listed there but is on the site under "Education" is Gun Replacement...they will replace your gun if it is taken after a self-defense incident.
In addition to the monthly fee, you can also choose to tack on additional benefits:
- Additional Associate Coverage: $165/Year
- Multi-State Coverage: $35/Year
- Bail Bond Coverage: (Up to $100,000): $35/Year
- Minor Household Children: $35/Year
Out of all those, I opted for Multi-State Coverage since I travel a decent amount. Bail Bond Coverage is also so I can get home and spend time with family while the courts deal with everything. And finally Additional Associate Coverage for my wife since we have a home-defense plan where she is also armed.
There's also now a user referral program where if you refer a buddy and they sign up...you both get some goodies from 10% off to a free month. More details at Right to Bear.
States You Can't Have Right to Bear
Unfortunately like several other providers...you can't have their products in NY, NJ or WA.
User Testimonials
Sometimes the best review comes from a customer who has used the legal services provided. Here's one from Carmen B:
And how about a video testimonial as well from Bruce R:
Right to Bear vs. Other Companies
With lots of other companies providing similar self-liability insurance or self-defense protection, deciding on which one to go with for your coverage comes down to what you’re looking for.
Without getting into too much detail comparing Right to Bear with the other guys (check out our comparison article to get a better idea), they have an edge by offering unlimited coverage for both civil and criminal liability.
And no recouping of fees if you're found criminally guilty.
Whatever your needs and wants, just make sure you are making an apples-to-apples comparison. That ensures that you can get the best bang for your buck and still meet all your protection needs.
Final Verdict
At the end of the day, it’s better to have any policy than none at all.
And if money’s tight, $19 with no add-ons with Right to Bear would be better than continuing to stuff your money under the mattress.
And, of course, remember to use code PEWPEW10 for 10% off.
So what’re you waiting for? Go sign up. Get protected.
Here's all the info again:
What do you think of Right to Bear Legal Coverage? Let us know in the comments below. For more on concealed carry protection plans, check out our Top Choices for CCW Insurance.