Concealed Handgun Insurance
 

What types of insurance would you recommed for someone who purchases a handgun for home protection or concealment.

Best idea is to talk with The Villages Insurance and have a sit down discussion with one of their professionals. Getting it direct from the source is always better than asking on a forum where you will get differing options or opinions.

the NRA offers firearms insurance.

Check out The Villages Straight Shooters Club website. They have a lot of info on this subject. I also recommend checking out the club. There are close to 2000 members in The Villages.

Is it true this club is the largest (number of members) club in TV?

NRA insurance is not that good, I use CCW SAFE, Have their # in my phone.

Remember this statement "I will cooperate with you 100% after my lawyer is present"

Practice
 

Lots of practice. :a040:

That gets the "humor" out of the way.

1. Obtain a Florida Concealed Weapons License. Go to the website of the Florida Department of Agriculture (yes, Agriculture) for the forms.

Florida Concealed Weapon License Application Information - Florida Department of Agriculture and Consumer Services

2. Look at various Concealed Weapons insurance companies and see what meets your needs in terms of coverage and cost.

I have U.S. Law Shield, based in Texas but with good coverage in Florida. They have a nationwide network of attorneys that can represent you in case of a "use" of a legal firearm. "Use" can include merely pointing it at someone as well as firing it.

They also provide a card for your wallet with a phone number to reach an attorney 24/7 in case of an incident, along with a sentence to say to the police until you can consult with the attorney.

There are other similar programs out there.

https://www.uslawshield.com/


3. Your Homeowner's Insurance almost certainly doesn't cover the theft of firearms without an extra cost rider.

You might want to go to the NRA web site and look into firearms theft insurance. It would be good if you were to join the NRA to help them fight for your continued right to keep and bear arms. It's cheap. I've been a LIfe Member for over a half a century.

Firearms Insurance Protection for You, Your Family & Your Firearms


4. If you are not completely familiar and comfortable handling firearms, get some instruction. I've never been to The Villages gun club, so cannot recommend them, but I suspect they are a great resource.

5. Practice shooting.

Best wishes,

Carl in Tampa

They are so large they meet at Savannah and Eisenhower with identical meetings on separate dates.

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USCCA offers defense insurance and sends an attorney immediately. My firearms instructor recommended this organization.

Concealed Carry Insurance
 

1. First... Instruction... and more Instruction
both mental and actual handgun use

2. Either CCW SAFE OR USCCA both have good
Web Sites.... for Insurance... About $100 to $125.
per year... worth every bit.... this should be a must
for everyone... just like car insurance... except they
provide and pay for the 2nd Amendment Attorney
that will be assigned to you...

Just think for a moment... should an attorney be
needed (which it will) who would you call at the
very moment in time... when one of the most
important things in your life time just occurred .
Just a normal Civil Lawyer will be of no help and
a general Defense Lawyer will be of little help if
they do not specialize in the 2nd Amendment Laws

Off topic
 

I'm confused Most seniors I know have some kind of cognitive or physical reason for being on various types of medications. Does this seem like the population you want walking around with handguns. I realize you have the right to carry and I'd be the last one to begrudge you any right but please explain the need to carry. .
A couple months ago my wife & I came upon a fanny pack in the middle of a parking lot.We went through it trying to find the owner and during this process we found several hundred dollars ,and NYC Police badge, and a handgun.Long story short we returned everything to the owner and all turned out fine.The( elderly) gentleman didn't realize it had dropped from his vehicle. He was grateful that someone responsible had found it.This could have turned out tragic. Just saying!!!

Personally I not too concerned about the ones on medication, but more so the ones that should be on medication:shrug:

Good point! :shrug:

He's lucky you found it! But seniors are targeted by predators BECAUSE of their infirmities and diminishing capabilities. Unless one can afford a bodyguard, it is pretty much a person's only alternative against violent aggression. A single punch can KILL an elderly person. Did you read the recent article about the Ocala (Marion County) attempted armed robbery at a Wells Fargo ATM in which the victim was shot two times? Be safe, not sorry.

Try calling FEDS (Federal Employee Defense Services) (866) 955-FEDS or About FEDS - Professional Liability Insurance Company

I don’t know if they offer insurance to “civilians” but the price is right. About $300 for $2M coverage, I have to pay a little extra to cover me during personal concealed carry. I believe they have an A+ with the BBB.

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Uscca
 

The USCCA offers memberships with an insurance-backed benefit. You are provided financial support for civil suit and damages protection, criminal defense, immediate attorney retainer and immediate bail bond. They've got my back should something happen! It's certainly something to consider especially if you carry or have firearms in the home! Take care everyone!

Great Organization!!
 

Concur 100+%! Cannot say enough good things about Tim Schmidt and the USCCA he founded several years ago. Besides the personal insurance protection mentioned in these posts, they provide some great resources for both the casual and serious shooter/CCW holder - especially in the arena of Training. In fact, I'm registered for a nationwide Webinar for tomorrow nite that should be very informative and helpful in several areas. Urge everyone to explore their options, and most definitely include the USCCA (lest I start a s**t-storm, even over the NRA!!) in that effort.

Be safe.....and shoot straight!! :)

I'm not sure Safe is the word I'd use in this instance. Peace of mind maybe but I believe in regard to the elderly carrying we may find the chance of a deadly accident is high.

I have US Law Shield. Attend a new session at least once a year besides reading to keep up on the latest changes. You've got to have something to CYA.

I would be interested in any stats you may have to support your belief. I think somewhat differently; that the elderly have a higher probability of victimization than of accidental injury due to a CCW.

In my research, I concluded that CCW Safe does not provide insurance against civil damages and judgements. It is only providing legal defense type services.

Carl,
It looks like USlawshield only provides legal services; not insurance against damages or judgements. Is this correct based on your understanding?

No stats just my belief. I'm sure you're right but that still doesn't ease my concern about arming the population of The Villages.

I think your concern is probably misplaced - and a day late. The Villages population is well armed from what I know. Most people I know already have CCW permits, and weapons in their home. The Straight Shooters Club has several thousand members. Yet, we don't have Chicago like shootings every day. I trust most Villagers to have the serious temperament and appropriate training that should be found with a citizen who carries a weapon legally.

USCCA has the best and most comprehensive coverage IMHO. As a Marine and Instructor I recommend this type of coverage to anyone who will conceal carry. We do not hesitate to "insure" every other aspect of our lives!

Attorney fee coverage only.
 

Yes, that is my understanding. The program pays all attorney's fees for both criminal and civil trials, but if you lose they do not pay any damages or judgments rendered against you.

They also cover mistrials and retrials, but not appeals.

Coverage includes "use" which is not necessarily firing the gun (pistol or long gun) but may be the simple lawful display of the gun to discourage an aggressor who is threatening you.

Basically, this is coverage for attorney's fees, and for immediate (24/7) telephone access to an attorney if you have an incident. They also give you a wallet card with the statement you are to repeat to the police investigators to hold them at bay until you talk to your attorney.

They also offer seminars on Florida Firearms Law (in our case) and a book on Florida Firearms Law as well as access to a video library and an Attorney/Member Forum.

Minor children (unlikely in The Villages) can be added for a fee, and multi-state (all 50 states and DC) coverage can be added for people who travel for an additional $35 a year.

You can sign up for a monthly newsletter at no extra cost and can contact the Program Attorneys with non-emergency questions.

Thanks for that clarification.

I recall going out with my niece and her fiance, a leo. He always carries. I felt like I had a private body guard. Not bad. Now I know how wealthy people feel with their bodyguards. BTW, he is a big proponent for citizen CCW as are many leos. Senior citizens are one of the most stable and law abiding groups you could pick to be uneasy around regarding ccw. But I get where you are coming from; dementia, paranoia, short temper, forgetfulness...dang, now I'm getting nervous!

Firearms can be insured under a Personal Articles Policy. Check with your insurance agent for details.