What Does the NRA Insurance Cover?
The National Rifle Association (NRA) offers a range of insurance programs designed to provide coverage and protection for its members. The NRA Insurance program is a comprehensive insurance package that offers a variety of benefits, including liability coverage, property coverage, and legal defense. In this article, we will explore what the NRA Insurance program covers and how it can benefit NRA members.
What is the NRA Insurance Program?
The NRA Insurance program is a group insurance program designed specifically for NRA members. The program is underwritten by Lockton Affinity, a leading insurance brokerage and risk management firm. The program is designed to provide NRA members with comprehensive coverage and protection, while also providing exclusive benefits and discounts.
What Does the NRA Insurance Cover?
The NRA Insurance program covers a wide range of risks and exposures, including:
Liability Coverage
- Bodily Injury and Property Damage: The NRA Insurance program provides liability coverage for bodily injury and property damage resulting from an NRA member’s activities, including shooting sports, hunting, and other outdoor activities.
- Personal Liability: The program provides personal liability coverage for NRA members, covering damages or injuries resulting from an NRA member’s personal activities, such as personal injuries, property damage, or emotional distress.
Property Coverage
- Firearm and Equipment Coverage: The NRA Insurance program provides coverage for firearms, shooting equipment, and other property used in shooting sports, including loss, theft, or damage.
- Homeowners and Renters Insurance: The program offers homeowners and renters insurance, providing coverage for personal property, liability, and dwelling protection.
Legal Defense Coverage
- Legal Defense: The NRA Insurance program provides legal defense coverage for NRA members, covering legal fees, court costs, and other expenses related to defending against lawsuits or other legal proceedings.
Additional Coverage Options
- Accident Medical Coverage: The program offers accident medical coverage, providing coverage for medical expenses resulting from accidents, including hospitalization, surgery, and other medical treatments.
- Life Insurance: The NRA Insurance program offers life insurance options, providing coverage for dependents and loved ones in the event of an NRA member’s death.
Benefits and Discounts
- Exclusive Discounts: NRA members are eligible for exclusive discounts on insurance premiums, including discounts for membership, age, and other factors.
- Premium Financing: The program offers premium financing options, allowing NRA members to pay insurance premiums over time rather than upfront.
- 24/7 Claim Reporting: NRA members have access to 24/7 claim reporting, allowing them to report claims and receive assistance whenever needed.
Premium Rates
Premium rates for the NRA Insurance program vary depending on the type of coverage and the individual’s risk profile. Here is a general breakdown of the premium rates:
| Coverage | Premium Rate |
|---|---|
| Liability Coverage | $15-$30 per year |
| Property Coverage | $20-$50 per year |
| Legal Defense Coverage | $25-$50 per year |
| Accident Medical Coverage | $10-$20 per year |
| Life Insurance | $50-$100 per year |
Conclusion
The NRA Insurance program is a comprehensive insurance package designed to provide NRA members with coverage and protection for a wide range of risks and exposures. From liability coverage to property coverage and legal defense, the program offers a range of benefits and discounts to help NRA members protect themselves and their loved ones. By understanding what the NRA Insurance program covers, NRA members can make informed decisions about their insurance needs and protect themselves against unexpected events.
Additional Resources
- NRA Insurance Program Website: www.nrainstructors.org/insurance
- Lockton Affinity Website: www.locktonaffinity.com
- NRA Insurance Program Brochure: www.nrainstructors.org/insurance/brochure
