Many folks who have been following this blog for a good while know that I’m a strong advocate for armed self defense. As part of that, I often encourage folks to get training and know the laws for the jurisdiction they reside in and also the laws of the jurisdictions they will travel to and through. From time to time, I also encourage folks to look into self defense legal plans because surviving a violent encounter is only part of the equation. The other part of the equation deals with the criminal and civil legal aftermath that is likely to follow.
When these discussions take place, some folks inevitably ask me what legal programs I recommend. My answer to this question continues to be the same: find the best plan you can afford from the program that best suits your needs. There are less than a dozen players in this space and from what I’ve gathered they all have their pros and cons in terms of what they cover, how they cover it, and when they cover. In some cases, combining one or more of these plans is necessary in order to get the coverage that one wants.
The latest player to enter this space is Right to Bear Insurance. Now before I get into reviewing what I think are very intriguing unique products that are worth considering, I want to disclose my relationship with them. As it stands right now, I am a member of their affiliate program. This means that I get a small monetary kickback from Right to Bear Insurance any time anyone starts a new policy with them after clicking a special link from this post, blog, or other channels including social media that identifies me as a referrer. However, I am not receiving any compensation for writing this review. To be frank, even though the affiliate compensation does help keep this blog running, I’m more concerned about readers having good information to assist in their purchasing decisions. If this product isn’t right for you, then don’t buy it. I still encourage you to have some sort of legal plan that works well for your needs.
With that out of the way, let me share the back story. Right to Bear Insurance (RTB) got started a few months back as a partner of Palmetto State Armory (PSA). Now I’m a big fan of PSA. I think PSA does a fantastic job of making firearm ownership accessible to the masses by manufacturing, distributing, and selling a wide variety of firearms at fair prices. With that in mind, I was excited when RTB reached out to me asking if I would consider becoming an affiliate and I was admittedly curious about their product. So I agreed to meet with Perry, RTB’s VP and Director of Sales, to learn more about their mission and products.
Unsurprisingly, RTB’s mission is well aligned with PSA’s mission. RTB has set out to make self defense legal support affordable and accessible to all responsible armed citizens. As I started learning about their plans, I remember thinking this is another offering with pros and cons not unlike the other plans that are available in the market. Their plans include some coverage that is only available as add-ons to their competitor’s plans (such as the multi-state coverage) and some of their competitor’s offer some coverage features that RTB’s plans don’t seem to offer (like Clean Up service coverage). I’ll reiterate again that different provider’s offer slightly different things or offer the same things a little bit differently.
Some of you are probably wondering what makes RTB’s plans different? Why did Uncle Zo describe RTB plans as very intriguing unique products? Well, I’ll tell y’all. RTB’s plans are the only legal defense products I am currently aware of that include an actual liability insurance policy. This means that a Right to Bear Insurance policy will even pay for civil liability damages. For example, let’s say a policy holder is found not guilty in the criminal case, but the judge overseeing a civil suit issues a judgment ordering the policy holder to pay liability damages, then the RTB policy will cover those damages up to the amount covered by the policy. The liability coverage ranges from up to $50,000 in the most affordable plan up to $2,000,000 in their premium plan. This is something I haven’t seen before and something I think is worth considering. Granted I’m not well versed in all of the details of the self defense legal plans available in the market today.
As I’ve spoken with friends about this, who are also interested in the plans due to liability coverage, a common question that I get is: Has any RTB policy holder been tried in a notable self defense case and provided a testimonial about the coverage? The answer to that is, thankfully, no. Of course, that answer results in a lot of hesitancy to sign up. I get it. I do. No one wants to be a guinea pig. Especially, when we are talking about a legal plan and insurance policy that one’s livelihood might depend on after a justified self defense incident. I sure don’t want to be a guinea pig either.
That said and after several exchanges with Perry, I do honestly believe they have a unique product and I like their mission. As such, I decided to take the plunge and purchase a policy for myself. I don’t plan on canceling the other legal plan that I have. As I’ve already said, sometimes combining one or more plans is necessary in order to get the coverage that one wants.
The sign up process is easy.
- Visit the Right to Bear Insurance
- Select your plan level
- Provide your contact information
- Enter your billing preferences and select optional coverage add-ons
- Answer an eligibility questionnaire
- Accept the terms of service and pay
After all is said and one, one will receive a couple emails. The first email is a payment confirmation. The next is an email verification that includes an attached certificate of insurance. Once the email is confirmed, one will be able to log into the RTB website which allows one to manage billing information, download ID cards, and download policy documents. In addition, a welcome package and physical ID cards are sent via traditional mail.
I’m guessing folks who are still reading are interested in the product and are curious about pricing and optional coverage add-ons. So let’s take a look at those.
|Plan and Coverage Limit||Bronze $50K||Silver $500K||Gold $1M||Platinum $2M|
|Bail Bond Reimbursement|
up to $50K
|Compensation in Court|
$200/day ($1K max)
|Accidental Discharge Coverage||$75||$75||$75||$75|
All of the plans include multi-state coverage, up to $5K in psychological support coverage, up to $10K in expert witness coverage, and access to the 24/7 claims hotline. Policy holders also get to pick their own defense attorney.
So far, we’ve covered what got me interested in the Right to Bear Insurance plans and a high level description of the coverage and pricing. However, I’m willing to bet folks who might be interested in the coverage probably have more questions. I certainly had more questions, and so I asked them. Below are the questions I posed to Perry along with his responses.
What if I have a firearm related legal question? Can I call RTB to get an answer? If so, will my question be answered by an attorney and can I consider it legal advice?
RTB can certainly help. The answer will be from the hotline, but from our internal counsel that can help with legal advice.
Will RTB help me recover or replace a firearm that is confiscated as part of a self-defense incident?
Yes. RTB will replace the confiscated firearm with a Palmetto State Armory gun of equal value.
What if my guns are confiscated due to a red flag protection order? Will RTB help me restore my gun rights and get my guns back?
As of right now, RTB does not offer coverage for assistance with “Red Flag” laws or emergency risk protection orders.
Will RTB help me recover or replace a firearm that is lost or stolen?
Not at this moment, but next quarter RTB will be offering a gun property insurance policy to cover guns lost due to theft, fire damage, or water damage.
What if I am charged or sued as a result of a lost or stolen gun being used in a crime? Will RTB help me with my defense?
Yes. That’s covered.
What if I suffer damages due to a self-defense incident? Will my RTB policy cover any of those damages? Will RTB help with legal representation if I decided to sue in order to recover costs associated with those damages?
Yes! This is one of the features that sets RTB policies apart from others. The RTB policy coverage isn’t just for liabilities, it will cover damages as well.
Are there any criminal or civil defense attorney fee coverage limits? If so, what are they?
Yes. The limits correspond to the coverage limit of the policy.
Will RTB assist with appeals if I am wrongfully convicted or lose a civil trial?
Yes! Appeals are covered.
Anyone who is still reading and hasn’t decided to buy a policy should stop reading now. I’m about to review some current promotions available to folks who open a new policy. While the promotions are pretty sweet, the decision to purchase a plan should be based on the merits of the policy.
Okay, you’ve been warned.
As of writing this, Right to Bear Insurance is giving every new policy holder a coupon they can use at Palmetto State Armory. If one signs up for a Bronze policy, then they will receive a $20 off coupon. A silver policy yields a $40 off coupon. The Gold policy results in a $70 coupon. Last, but not least, a Platinum generates a $100 off coupon. I’m not sure how long that promotion will last, but it is available to everyone. No need to use a link in this post.
As an added bonus to readers of this blog, Right to Bear Insurance will issue an additional $40 off coupon with any new policy that meets the following conditions. First, the new policyholder must sign up for a new policy using one of the links or buttons on this post. Then the policy holder must send an email to firstname.lastname@example.org and inform Right to Bear Insurance that one of these links were used to sign up for the policy. RTB will then send the new policy holder an additional $40 off coupon to Palmetto State Armory once usage of a link on this page was used to start the policy has been verified. That translates into a total PSA discount of $60 for a Bronze policy, $80 for a Silver policy, $110 for a Gold policy, or $140 a Platinum policy.
I will repeat myself once again for good measure. I care more about each of you having a legal plan that fits your needs than I do about getting a kickback from Right to Bear Insurance. Yes, the revenue is welcome and appreciated as it helps keep this blog running. I’ve also mentioned that I support RTBs mission and like their product which is why I purchased a policy for myself. However, I value y’all’s readership more.