Looks like Chubb, the carrier for Carry Guard is no longer writing policies and I'm being non-renewed.  But Lockton Affinity will be sending info out about their new partner.  But in the (*), it says not available in NY, WA, AK, HI.  So either way I'm changing to USCCA.

The only minus to USCCA is that I have to buy Mrs. CMO a policy also.  Compared to Carry Guard who has a spousal addition for free.

There are other differences, but in the end I will buy 2 USCCA policies.

*Edit
Also looks like USCCA added in red flag protection and EPRO's.

NRA renamed the Very Guard Expo this year to the Personal Protection Expo.  Guess the name is dead but they're bringing back insurance under a different name.

My Carry Guard policy renews this Fall, too.

I'd already planned to switch at that time to USCCA.  NRA is being targeted in too many states, and I don't want to get caught in the middle with a policy I paid for that might not be in effect when I need it.

The other strikes against NRA is they only pay out AFTER you pay your own way (reimbursement).  All the others pay out in advance or as costs arise.  Plus, NRA only covers firearm, airgun or bow & arrow incidents.  All other pay when ANY LEGAL WEAPON was used.

USCCA seems to have a much better plan for less. 

This comparison was posting last  July, so it should be close to current info.  I do notice the states Carry Guard isn't available for isn't complete:  just NY & WA ...

https://www.snipercountry.com/concealed-carry-insurance-comparison/

Ironically, the anti-gunners use "make gun owners buy insurance" as a talking point to somehow reduce "gun violence" or I guess offset the cost of gun violence (how that happens is a mystery).  Maybe they believe premiums are like taxes, and somehow the money does gun control "stuff" instead of being used by the insurance company to stay in business, pay claims, and make a profit for investors?  I don't know....

Ever since the NRA started the Carry Guard program, those same anti's started calling it "murder insurance".

Never acquiesce to the Left/Socialist/Democrat/Anti-2A/Liberal idiots.  They have no idea what they are talking about.

Anti 2a said last year that this type of insurance is "murder insurance". Someone can kill someone and not pay a dime.

Now theyre wanting to required it.

*facepalm liberals.

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Anti 2a said last year that this type of insurance is "murder insurance". Someone can kill someone and not pay a dime.

Now theyre wanting to required it.

*facepalm liberals.

Sent from my SM-G950U using Tapatalk

It always follows: "We require auto drivers to get a license.  We should require gun owners to get one ... and insurance, too!"  No concept of what insurance is really for.  Somehow they "deduced" that if you shot someone, the insurance covers their medical costs.  That only happens if you're sued and lose -- no different than without insurance except the lawsuit numbers become astronomical (as is the case whenever deep pocket insurance policies are in play). 

They just want to make gun ownership so expensive and difficult that we opt out.

I just logged into the Lockton Affinity site (they administer the NRA insurance policy).

My next payment is due 10/17/2019.

But, it also has an "Expiration date" for the policy of 10/17/2020.   

Not sure about that expiration date.  Might be in preparation for the transition of existing policy customers.  New customers aren't being accepted from what I read.

Time to abandon ship in a couple of months.

ONGOING BILLING

I elect to have future premiums automatically charged to the credit card/debit card used for this transaction.
I can cancel this agreement by email to accounting@locktonaffinity.com
or by mailing notice of such cancellation to:

Lockton Affinity, LLC,
P.O. Box 410679,
Kansas City, MO 64141-0679.

Any such cancellation must be in writing, and must be received by Lockton Affinity at least
ten (10) days before the charge date in order to cancel the next payment.

No refunds for canceling before the end of the policy period.



I almost hope someone breaks into my house so I get some use out of it!   

Insurance is all the same.  You get it hoping you never need it, but you're glad you have it if you ever do.

*EDIT*

Just sent the cancellation via email effective 10/16.  No sense in waiting -- so I don't forget!   

I wonder how these specific insurances compare to coverages under something like an umbrella policy. I don't have any special firearm insurance other than an add on policy for the value of the guns under my homeowners policy. I had considered getting an umbrella policy but never got around to it. 

If I get around to calling back my insurance agent I will ask and see what they say.

I wonder how these specific insurances compare to coverages under something like an umbrella policy. I don't have any special firearm insurance other than an add on policy for the value of the guns under my homeowners policy. I had considered getting an umbrella policy but never got around to it. 

If I get around to calling back my insurance agent I will ask and see what they say.

Many homeowners liability exclude "discharge of firearms".

1 carrier excludes "intentional discharge". So its how you articulate how your gun went off the exact moment someone broken in and tried to cause death, kidnapping, serious injury, sodomy, or rape.

So just buy a firearm specific type of insurance.

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Just signed up for USCCA.  To add Mrs.CMO was $9 a month extra.

I wonder how these specific insurances compare to coverages under something like an umbrella policy. I don't have any special firearm insurance other than an add on policy for the value of the guns under my homeowners policy. I had considered getting an umbrella policy but never got around to it. 

If I get around to calling back my insurance agent I will ask and see what they say.

I don't know what you think an "umbrella policy" refers to.  I've learned not to assume that you have the correct 411.

Homeowners policies, and most renters policies, EXCLUDE intentional acts that cause injury.  In other words, your policy covers accidental injury to visitors, like slipping on your wet or icy steps, being hit in the head by a falling tree limb, and so on. 

Accidents.

Shooting someone, regardless of legal justification, is an intentional act. it's one of the main reasons firearm use insurance exists.  It covers both intentional and accidental consequences of firing a gun. 

For instance, if someone is at your door breaking in, and you fire as the door slams open, one of those rounds will likely miss.  If you damage the neighbor's property (or unfortunately hit the neighbor), the insurance covers that, too.  A homeowners policy will not pay out ... intentional.

Saw an ad on today's Lowder with Crowder YT video for firearm insurance.

https://firearmslegal.com/LWC

Using the promo code "LWC" at checkout gives new customers a discount on premiums.  Prices appear lower than USCCA with very similar coverages.

Unless you live in Hawaii, of course ...

Saw an ad on today's Lowder with Crowder YT video for firearm insurance.

https://firearmslegal.com/LWC

Using the promo code "LWC" at checkout gives new customers a discount on premiums.  Prices appear lower than USCCA with very similar coverages.

Unless you live in Hawaii, of course ...

That's because due to Hawaii's plethora of "commonsense gun safety regulations" there is no crime here so no one needs to have a gun for self-defense, so no one would need any kind of firearm insurance.

That's because due to Hawaii's plethora of "commonsense gun safety regulations" there is no crime here so no one needs to have a gun for self-defense, so no one would need any kind of firearm insurance.

More like, if someone in Hawaii associated with the Insurance Regulatory Agencies isn't getting a piece of the action, forget about being licensed to sell your policies in "paradise".

Pay to play.  It's not just a cute rhyme.

Super sketchy now.  I remember last time I went to the CG website, there was a clear area for member log in.  Now that's gone and I can't find any where to log in to cancel my membership.

Can't find a cancel area, so just emailing above provided by Flap to cancel my CG.  Been on hold for 14 mins now.

*edit
went to go take a dump and left my phone on for giggles.  Came back and still on hold.

Super sketchy now.  I remember last time I went to the CG website, there was a clear area for member log in.  Now that's gone and I can't find any where to log in to cancel my membership.

You should have received a PDF from Lockton Affinity when you first joined Carry Guard.  That document has 2 sections on cancelation.

The first is under the heading of canceling the policy, and it states you have to surrender to them (guess that means show up in person) or send written notice to cancel via snail mail.

The second section is labeled:  "Ongoing Billing".  It's in that section that it states you can cancel via email.

Why didn't they combine the email cancelation with the mailed cancelation?  Is this to imply only those with ongoing billing set up can use the email process to cancel?  No idea.

Calling won't get your policy canceled.  Has to be in writing, whether you use USPS mail or email.

p.s.  I sent my email on Aug 28th.

I received my cancelation notice via email on Sep 3rd.  Might have gotten it a day earlier if not for the holiday.

That's not bad -- 3 business days when you account for the 3 day weekend.