I'm hearing good things about the SCCY firearms warranty. If I remember correctly I've read somewhere the warranty will even cover replacement in the event of theft of the firearm. I believe proof of purchase and a police report are required. If I had my choice between the two firearms I would go with the SCCY hands down (talking pistols here. SCCY currently doesn't make a carbine). I think it's a better quality firearm for just a few more $$ than a Hi-point IMO.I have no love, attention to, or appreciation for Hi Points. Just don't care.
However, one of the people at Hi Point has told me before that as long as they can read the serial number, they'll pretty much warranty the gun, this includes house fires and smoke damage.
That really surprised me, not many, if others at all, will openly say the same
Disclaimer: I realize I'm only going by recollection so anybody that's interested should research SCCY's policy for themselves.