YOU’RE ARMED AND SO ARE THEY. WHERE IS YOUR FAMILY? WHO’S CALLING 911? WHAT DO YOU SAY? WHAT HAPPENS WHEN THE POLICE ARRIVE?
ARE YOUR SPOUSE, DAUGHTER, LOVED ONES SITUATIONALLY AWARE IN PUBLIC?
WHAT IS YOUR PERSONAL DEFENSE STRATEGY IN YOUR CAR, HOME AND IN PUBLIC SPACES?
HOME DEFENSE STARTS WITH PROPER EDUCATION AND PLANNING. WHAT IS YOUR FIRST LINE OF DEFENSE? HAVE YOU TRAINED FOR THIS MOMENT?
OWNING AND CARRYING A FIREARM CAN PROTECT YOU AND HARM YOU. GET ARIZONA CCW CERTIFIED AND LEARN HOW & WHERE TO CARRY INTELLIGENTLY.
KNOWING HOW TO HANDLE A TRAFFIC STOP AND DEAL WITH ARIZONA LAW ENFORCEMENT IS ESSENTIAL FOR RESPONSIBLE GUN OWNERS.
GOD FORBID YOU HAVE TO DEFEND YOURSELF OR FAMILY, WHAT YOU SAY AND YOUR NEXT STEPS COULD BE THE DIFFERENCE BETWEEN FREEDOM AND JAIL.
PROTECTING YOUR HOME AND FAMILY FROM A VIOLENT ATTACK COMES WITH DEVASTATING FINANCIAL, LEGAL AND PSYCHOLOGICAL COSTS. ARE YOU PREPARED?
FIRING YOU GUN IS A LAST RESORT. HOW SOLID IS YOUR SAFEHOUSE DEFENSE STRATEGY TO DETER TROUBLE? GET YOUR HOUSE IN ORDER.
Self defense insurance in Arizona or concealed carry liability insurance are insurance policies and/or pre-paid membership plans that help cover your legal expenses if you are ever involved in a situation wherein you have to legally use your firearm in a self-defense situation. An alternative to Self-Defense Insurance is to join a local Concierge Legal Services program. These legal retainer programs create an attorney-client relationship between you and a local reputable law firm that provide discounted rates for services in the event you use a firearm or other weapon to protect yourself, home or family. The advantages Concierge Legal Services programs offer, compared to Liability Insurance programs, are that you have direct access to your attorney for legal issues that include Self Defense, Criminal Defense / firearms related matters as well as broad range of services including Personal Injury, Accidents, Dog Bites, Medical Malpractice, Civil Law, National Firearms Act (NFA) Trusts and Wills. A additional bonus of the SafeHouse Defense Program is that members benefits include incentives such as free or discounted rates on attorney drafted NFA Trusts, Arizona Concealed Carry Certification Courses and Private Shooting Lessons for joining as a member. Members will also be able to access free ongoing local legal seminars, firearms safety classes with professional instructors, live-fire demo days and range day events. Members also are eligible for a variety of discounts on local services and products such as ammunition, suppressors, concealed carry holsters, personal defense products and home security systems.
The truth is that there are no Arizona based Self-defense insurance plans. All of the major insurance providers are marketing companies that use 3rd party insurance underwriters in other states for their policies. If you join an insurance plan you are likely to be named and an “additional insured” on their umbrella policy. You’ll need to read the fine print to make sure your coverage / claim wont be denied. These insurance policies are normally underwritten by a State of Arizona licensed insurance company whereas the membership plans may be administered by a local law firm or national gun rights organization. The prepaid legal attorney-client legal services membership programs are also legal in Arizona and follow stringent ethical guidelines in accordance with The State Bar Of Arizona.
IMPORTANT: Ask for help if you are not familiar with your firearms. Get expert advice before you handle or transport your firearms. Accidental shootings a.k.a Negligent Discharges, happen quite a bit and can lead to injury, death, hefty fines, jail time and massive legal problems. Additionally, many people inherit gun collections and firearms and in some cases the items may be Title 2 Class 3 Items which are regulated by the Bureau Of Alcohol Tobacco and Firearms. If you are in possession of these items and not named on a National Firearms Act (NFA) Trust you are most likely in violation of Federal Law and could face substantial fines.
Know the value of your firearms before you contact an agent for a quote. If you do not know the value you can contact a local gun store or firearms appraisal specialist to assist you. Additionally, keep your firearms stored in a safe at all times.
Coverage varies depending upon the type of concealed carry liability plan you choose, and the company that you purchase your insurance from. Before you purchase any self-defense insurance plan be sure to compare all the variables of the plans. There are hybrid programs that combine Concierge Legals Services AND Self-Protection Liability Insurance that may provide a full-spectrum of coverage and services both locally and in many other states if needed. Some of the more common items that you should look for are listed below:
Before purchasing Arizona self-defense insurance carefully read and understand what the coverage limits are, and what is being offered to you.
Many AZ self-defense insurance plans will have limits as to what they will cover for defense costs.
Depending on the plan you choose there may be caps or limits as to what percentage of your legal fees will be paid if you’re ever involved in having to use your firearm in a self-defense situation.
There are plans on the market that will only reimburse your cost such as bail bonds or court fees after you have been to court or posted bond. Stay away from these types of plans. Keep in mind that you might have to fight to get these items covered if your case is not deemed justified by the insurance underwriter.
Just like your homeowner’s insurance policy has exclusions, so does self-defense insurance in Arizona. Before purchasing any self-defense insurance policy or plan, read the plan carefully. Some of the more common exclusions are listed below :
These are just a few of the exclusions that may pertain to your personal defense insurance policy. Please read your policy carefully and ask any questions you may have before you purchase your self-defense insurance policy.
These are just a few of the exclusions that may pertain to your personal defense insurance policy. Please read your policy carefully and ask any questions you may have before you purchase your self-defense insurance policy. So-called self-defense insurance plans market and advertise to offer coverage for damages awarded from civil suits. The Safehouse Defense Concierge plan intentionally does not do so. This is by design.
You see, there is no civil liability insurance coverage available to cover civil suit damages (i.e. from homeowner/auto policies) caused by intentional acts. There is coverage for negligent acts (such as hitting someone due to failing to stop for a red light or having improperly maintained steps on your house cause an injury from a fall) and there is coverage for reckless acts (such as injuring someone while you are drunk driving or having your pet tiger attack someone) but there is never coverage for an intentional act. Check your own policies—the “intentional act exclusion clause” will be buried in there somewhere. And guess what is always an intentional act? Self-defense! No attorney will put in the hundreds of thousands (or more) of dollars and hours necessary to get a civil case in front of a jury unless there is verifiable insurance coverage. What about my personal assets, though, you might ask? Those are still vulnerable, right?
Think about it—O.J. Simpson was found civilly liable in 1997 for the 1994 wrongful (intentional) deaths of Nicole Brown Simpson and Ron Goldman and was ordered to pay $33.5 million in compensatory and punitive damages to the victims’ families. Rest Assured that O.J. had millions of dollars of insurance coverage—he was a multi-millionaire! By the way, that verdict is now worth nearly $60 million! Yet he has successfully avoided payment for 25 years by filing for bankruptcy and legally shielding his assets—as all legal experts knew he would! Then why did the attorneys for the Browns and Goldmans invest all of that time and money against O. J., you might ask? Because of the unprecedented notoriety of that particular case—for the publicity value. Period. Civil attorneys all know this—without verifiable insurance coverage you simply do not sue people (at least not us “normal” people) for intentional acts—there is no way to recover money and you will bankrupt your law firm if you do so.
When self-defense insurance plans do offer civil coverage (sometimes as much as $2 million) it sounds fantastic! “Now I won’t lose my house or my pension if I shoot someone and I get sued,” potential customers think. Perversely, however, this coverage now acts as “bait” to actually induce a suit that would/could not happen otherwise! In reality, just the opposite effect from that intended/perceived!
Our plan explicitly acknowledges this fact and passes the realized savings on to our members. No money wasted providing something that seems good but which is actually bad
Although some states are considering requiring some type of firearm safety training and legal coverage to purchase or own a firearm, currently no Arizona law stipulates that you must have concealed carry insurance or that you become a member of a Concierge Legal Service Program in Arizona to be able to carry your firearms legally. However, being a responsible gun owner means being educated regarding firearm laws and having a home defense plan. The minimal cost of taking a few courses and having an affordable SafeHouse Defense Plan in place is well worth the money and can bring you great peace of mind.
As a gun owner, you carry your firearm or have it in your home to protect not only yourself from physical danger but also your family. It only makes sense to have a self-defense plan to protect your family from the legal risks and monetary damages that will be inflicted upon you if you’re ever involved in a self-defense situation. The facts show that most responsible citizens don’t go looking for trouble. However, with carjackings, home invasions and violent crimes on the rise often times, trouble comes to find good citizens. If you want an attorney that understands Arizona’s Firearms Laws, The Use Of Force and Self-Defense Laws with regards to home defense and personal protection, a Concierge Legal Plan could be right for you. Additionally, having a local resource for ongoing in-person training, face-to-face legal consultations, hands on firearms training to help you develop your knowledge and skills is essential.
With the right attorney and law firm behind the program these programs can make sense. Remember, with the proper preparation, education and legal defense program in place you can minimize the chances you’ll have to use a weapon to defend yourself and greatly reduce your odds of making costly legal mistakes that could lead to possible jail time and financial ruin for you and your family.
Some plans and policies will indeed cover your family members for an additional cost. Some plans may only cover your family members while they are in your home and some may cover family members outside your home. Check with your chosen insurance and legal service program provider for details. The Safehouse Defense Program offers plans for individuals, spouses and a family plan that can include kids 17 years of age and younger living in the same household.
The cost of coverage for a concierge legal self-defense or insurance policy in Arizona may be as little as $12.95 per month up to $80.00 per month depending on the law firm, insurance provider and the type of coverage for you and your family. Most legal self-defense plans and insurance providers have tiered plan structures that provides for different levels of protection and various benefits as you move up the scale. Most service offer monthly and annual options for payments as well as plans for that include spouses and families living in the same home.
A majority of violent encounters happen in the home. But, If you are a on the road type of person and do a lot of traveling there are plans that may cover you in all states. Insurance companies are not allowed to provide coverage in certain states. Some of the smaller plan providers may only have coverage in certain geographical locations which is fine if you do not do a lot of traveling. However, with the cost of self-defense plans in Arizona being so affordable it’s very easy to customize a plan that is right for your situation. If you are only concerned with carrying locally and home defense a legal service plan that provides an attorney-client relationship for self-defense but includes accidents, wills, NFA Trusts might work well for you. If you are going to be traveling extensively with your firearm the Safehouse Defense Program is locally based but provides self defense coverage in 50 States. If you’re interested in Free Safehouse Defense Consultation to find a program that works best for you and your family contact us at 1-602-691-6900 and speak with a specialist.
Many of the plans will issue you a wallet-size card that provides an emergency contact number. This number will connect you to an attorney or a representative of the insurance company who will then connect you to an attorney. A benefit of working with a local legal service plan provider is that members know in advance who their attorney is and have direct contact with their law firm. A big difference between insurance companies and The Safehouse Defense Plans are that your conversations are protected under attorney-client privilege so your recorded calls can not be used as evidence against you in court. If you’re NOT talking to your attorney it could open you up to potential risk. Members also enjoy a variety of free or discounted online and in-person educational seminars and members only range day events with hands-on training from professional instructors. Quality education, preparation and ongoing training can greatly increase your ability to strengthen your personal and home defense efforts.
If you are a member of the Safehouse Defense Program and involved in a self-defense incident immediately call the emergency number on your membership card and precisely follow the directions you are given by your attorney. Your attorney will call 911 and report any injuries and start the process of getting Arizona law enforcement and medical help to the scene. Remember you are on a recorded call with 911 so only give brief details until your attorney is present. Experienced self-defense attorneys are on call and will be dispatched to your location to be with you to help deal with law enforcement.
If it is safe to do so, DO NOT have your firearm in your hand or holster when Arizona law enforcement arrives on the scene. Try and secure it in a safe location. Law enforcement may perceive you to be a threat when they arrive on the scene. It is also likely that your firearm will be taken as evidence. It’s a very good idea to be knowledgeable about Arizona’s Revised Statutes defining Use Of Force laws and appropriate Concealed Carry. It is recommended to take a course in Arizona’s Gun Laws that discusses dealing with Law Enforcement in these situations.
Always remember that although you know it was self-defense, the responding law enforcement officials may view it as a crime until such a time that a thorough investigation has been completed. You do not want to make any statements that may implicate you as having committed a crime. When speaking with law enforcement officials you may inadvertently make an off-hand statement that could be interpreted in a fashion that you did not mean. It’s best to wait until your attorney is present to start giving detailed information to law enforcement.
After a self-defense incident, your adrenaline is going to be flowing. Your emotional state is going to be changed by the amount of adrenaline that is coursing throughout your body. One of your first concerns may be that you want to tell your side of the story or that you’re going to jail. Although this is a valid concern it should not be your main concern. Be more worried about going to prison for a crime that you did not commit. Remember you have the Right To Remain Silent and have your attorney present before offering any statements to law enforcement.
Anything you say can and will be used against you in a court of law. This statement is not just a slogan or line from a movie. It is the truth.
In a self-defense scenario, it is highly unlikely that your AZ homeowners’ insurance policy or any other umbrella policy you may have will cover you if the injured party files a civil suit or law enforcement presses criminal charges. It is also highly unlikely that you will be covered if a firearm is discharged, accidentally or otherwise, on your property that injures an innocent person. Home Owners Insurances vary greatly so you’ll need to check your policy to see your coverage.
Be aware that websites that offer self-defense insurance reviews may in fact skew their rankings. Many of these sites make money from referral fees. It is not hard to imagine that they are going to provide the best review for the concealed carry insurance provider that pays them the most.
It is recommended that you do your due diligence when comparing plans. Ask for real-world input from those who have already purchased a plan. Ask your friends, business associates, or your Arizona firearms instructor about the gun owner’s insurance plan they currently have or have had in the past or for recommendations regarding reputable law firms that are knowledgeable about firearms, firearms laws and of course self-defense laws in Arizona.