TexasCHLforum.com

There may be a thread, but I am trying to find information on insurance to cover one in the event of a shooting incident while carrying CHL. I had a flier once but lost it.

Texas shield law. Everyone I talk to says its a waste of money but if it makes you feel better go for it.

Gameover wrote:Texas shield law. Everyone I talk to says its a waste of money but if it makes you feel better go for it.

Thanks. I'll do reading to see why.

I believe the NRA has some kind of insurance for a CHLer.

Taurus.40 wrote:I believe the NRA has some kind of insurance for a CHLer.

FWIW, the NRA "insurance" is a reimbursment type program. You pay out front, then if you win, they reimburse with some stipulations I believe.

You might ask your homeowners' insurance agent about a liability addendum?

Oldgringo wrote:You might ask your homeowners' insurance agent about a liability addendum?

You might use caution about this in case the insurance agent happens to be misguided, or the carrier is.

There have been worries about USAA, given that they have signs forbidding guns in their offices, etc., etc. It might be good to approach the subject obliquely, test the waters etc so you don't get a cancellation notice in the mail, or something.

https://www.usconcealedcarry.com/" onclick="window.open(this.href);return false; actually carries several insurance plans along with a list of lawyers the believe in the 2nd amendment. that being said.. they will send you alot of emails for a variety of things. alot of people dont like it. my thought is you carry insurance on your house, your car and your heatlth. you may never need it but is like your firearm--there if you need it.

I have yet to read of a prepaid insurance carrier for gun/self-defense that a majority of the knowledgable folks here endorse.

If I'm wrong, please advise...

Abraham wrote:I have yet to read of a prepaid insurance carrier for gun/self-defense that a majority of the knowledgable folks here endorse.

If I'm wrong, please advise...

I was the only one in my class that did not sign up. According to posts I've seen here and other forums, at least half the people in many other classes did sign up for [pre-paid legal]....I'd like to hear from them as well.

Oldgringo wrote:You might ask your homeowners' insurance agent about a liability addendum?

I actually sent an email the other day asking for the blanket 1 million dollar policy quote.

testersbc wrote:https://www.usconcealedcarry.com/ actually carries several insurance plans along with a list of lawyers the believe in the 2nd amendment. that being said.. they will send you alot of emails for a variety of things. alot of people dont like it. my thought is you carry insurance on your house, your car and your heatlth. you may never need it but is like your firearm--there if you need it.

Excellent! Thanks

one type of insurance you DO want....after you have several guns, get an additional rider to your homeowners insurance to cover your guns, typical homeowners insurance only covers about $1200 - 3000, check yours out, you will need to increase that at some point.

After I took my CHL class, I reviewed my home owner's policy to see if there were any holes that I should be concerned about. Next year, I'll be inquiring about increased coverages for personal property theft as well as for personal injury. But that only covers me at home. I've researched a lot of the readily available "insurance" plans out there and I wasn't 100% impressed with any of them. But I eventually went with [Pre-paid legal service] for the following reasons (which are important to me, your needs may be different or weighed differently): you enter into an agreement with an actual law firm instead of contracting with a service that will find a lawyer for you, you can contact an actual lawyer for general advice outside of an emergency situation, it's not a reimbursement plan, they will represent you all the way through trial (if necessary), and they will assist in retrieving your weapon from law enforcement post-investigation/trial.

68blackbird wrote:

Taurus.40 wrote:I believe the NRA has some kind of insurance for a CHLer.

FWIW, the NRA "insurance" is a reimbursment type program. You pay out front, then if you win, they reimburse with some stipulations I believe.

This is correct. Texas law does not allow one to insure their intentional unlawful acts. This means no insurance company can issue a "traditional" policy that would provide counsel.

Chas.