Plan Comparison
| Availability and Cost | Defender Plan | Protector Plan | Ultimate Plan | HR-218 Plan | Freedom Plan | Constitutional Carry Plan | Home Defense | House of Worship Volunteer Security Plan |
| Availability |
Any CCW permit holder |
Active, retired LE/MIL, honorably discharged Veterans, credentialed first responders |
Any CCW permit holder |
Active or retired LE/ HR218/ LEOSA ONLY |
Any person allowed to carry a firearm who resides in a 'Constitutional Carry' state |
Any person allowed to carry a firearm who resides in a 'Constitutional Carry' state |
Any person legally allowed to possess a firearm in their state of residence |
House of Worship Voluntary Security Teams |
| Restricted States |
*NJ, NY, WA |
*NJ, NY, WA |
*NJ, NY, WA |
*NJ & WA |
*NJ, NY, WA |
*NJ, NY, WA |
*NJ, NY, WA |
*NJ, NY, WA |
| Annual/ Monthly Costs |
$209/$19 |
$179/$16 |
$519/$47 |
$399/$37 |
$609/$55 |
$299/$27 |
$299/$27 |
$275 Annual Only Per Member with Minimum of 3 VST members, Single Payer |
| Incident Coverage | Defender Plan | Protector Plan | Ultimate Plan | HR-218 Plan | Freedom Plan | Constitutional Carry Plan | Home Defense | House of Worship Volunteer Security Plan |
| **Any incident where force is used pursuant to a reasonable belief that the use of deadly force is necessary to protect from imminent danger of death or great bodily harm. This includes any necessary force with ALL legal weapons and physical force to defend against a life-threatening attack in self-defense. |
Member: In 47 states. Spouses and children under 18: In home only. |
Member OFF DUTY ONLY in 47 states. Spouses and children under 18: In-home only. |
Member and spouse in 47 states. Children under 18: In-home only. |
Member OFF DUTY ONLY in 48 states. Spouses and children under 18: In-home only. (If NY, the spouse must be LE/ HR218. No coverage for children.) |
Member and spouse in the home state and states allowing permitless carry. Children under 18: in-home only. |
Member-only in the home state and states allowing permitless carry. Spouses and children under 18: In-home only. |
Member, spouse and children under 18: In-home only. |
HOW VST Members onsite and offsite at official HOW events only. |
| Bond | Defender Plan | Protector Plan | Ultimate Plan | HR-218 Plan | Freedom Plan | Constitutional Carry Plan | Home Defense | House of Worship Volunteer Security Plan |
| Bond Coverage Included In Plan |
$1M |
$1M |
$1,50$1.5M: Member and spouse |
$1M |
$1.5M: Member and spouse |
$1M |
$1M |
$1M |
| $1.5M Bond Upgrade Add-on: Annual/Monthly |
$50/$5 |
$50/$5 |
Included |
N/A |
Included |
$50/$5 |
$50/$5 |
N/A |
| Bond Coverage in Home for Spouses and Children Under 18 |
$250,000 |
$250,000 |
$500,000 |
$250,000 |
$500,000 |
$250,000 |
$250,000 |
N/A |
| Cost and Fee Coverage | Defender Plan | Protector Plan | Ultimate Plan | HR-218 Plan | Freedom Plan | Constitutional Carry Plan | Home Defense | House of Worship Volunteer Security Plan |
| Criminal Defense Costs (Upfront) |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
| Civil Defense Costs (Upfront) |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
| Civil Trial Costs Covered, Even if Found Guilty in a Criminal Trial |
Y |
Y |
Y |
Y |
Y |
Y |
Y |
Y |
| $1.5M Civil Liability |
N/A |
N/A |
Included: Primary only |
N/A |
Included: Primary only |
N/A |
N/A |
N/A |
| $2M Civil Liability |
N/A |
N/A |
See Upgrade |
N/A |
See Upgrade |
N/A |
N/A |
N/A |
| $1M Civil Liability, Per Member |
$220/$20 |
$220/$20 |
N/A |
Included: Primary only |
N/A |
$220/$20 |
$220/$20 |
Y |
| Red Flag Law (Upfront) |
Up to $5,000 |
Up to $5,000 |
Up to $10,000 |
Up to $5,000 |
Up to $10,000 |
Up to $5,000 |
Up to $5,000 |
N/A |
| Crime Scene Cleanup |
Up to $3,000 in home |
Up to $3,000 in home |
Up to $4,000 in home + car |
Up to $3,000 in home |
Up to $4,000 in home + car |
Up to $3,000 in home |
Up to $3,000 in home |
Up to $4,000, if needed at House of Worship |
| Firearm Replacement (if Applicable) |
See terms |
See terms |
See terms |
See terms |
See terms |
See terms |
See terms |
See Terms |
| Lost Wages During Trial |
Up to $750.00 per day |
Up to $750.00 per day |
Up to $1,000 per day |
Up to $250.00 per day |
Up to $1,000 per day |
Up to $750.00 per day |
Up to $750.00 per day |
Up to $1,000 per day |
| Family | Defender Plan | Protector Plan | Ultimate Plan | HR-218 Plan | Freedom Plan | Constitutional Carry Plan | Home Defense | House of Worship Volunteer Security Plan |
| Spouse Covered (With or Without Valid Permit) |
Inside home only |
Inside home only |
Inside and outside of the home |
Inside home only. NO coverage in NY unless the spouse is LE/HR218 |
Inside and outside of the home |
Inside home only |
Inside home only |
N/A |
| Complete Spouse Coverage Inside and Outside the Home (With or Without a Valid Permit) |
$100 add-on |
$100 add-on |
Included |
$100 add-on; NOT available in NY unless the spouse is LE/HR218 |
Included |
$100 add-on |
N/A |
N/A |
| Children under 18 covered |
Inside home only |
Inside home only |
Inside home only |
Inside home only; NO Coverage in NY |
Inside home only |
Inside home only |
Inside home only |
N/A |
| Response and Follow-up | Defender Plan | Protector Plan | Ultimate Plan | HR-218 Plan | Freedom Plan | Constitutional Carry Plan | Home Defense | House of Worship Volunteer Security Plan |
| 24-hour Emergency Hotline Access | ||||||||
| 24-hour Emergency Response Team Access | ||||||||
| National Trial Counsel (Coordinates Legal Team) | ||||||||
| Vetting, Hiring and Coordination of Legal Team | ||||||||
| Trained After Incident Peer Support | ||||||||
| Licensed Professional Counseling Sessions |
10 up to $1,500 |
10 up to $1,500 |
40 up to $6,000 |
10 up to $1,500 |
40 up to $6,000 |
10 up to $1,500 |
10 up to $1,500 |
20 up to $3,000 |
| Special Benefits | Defender Plan | Protector Plan | Ultimate Plan | HR-218 Plan | Freedom Plan | Constitutional Carry Plan | Home Defense | House of Worship Volunteer Security Plan |
| Up to $15k of Funeral Expenses if the Death of a Member Occurs During a Self-Defense Incident | ||||||||
| TSA Violation: Up to $10,000 for Legal Expenses Related to an Unintentional TSA Screening Violation (See Terms) |
N/A |
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| Texas School Guardian Program |
N/A |
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| Louisiana Act 680: Veteran Permitless Carry |
N/A |
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| Volunteer Church Security Teams | ||||||||