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Specialty Insurance Coverage Examples
Flood Insurance
Bought to protect against loss/damage of property in the event of flooding caused by excessive runoff, the rising and overflow of the tides, or the sewers backing up as a result of street flooding. Flood insurance must be bought in addition to your home insurance as it is a separate insurance policy from renters or homeowners. If flooding is a concern for you, our insurance agency can help you get the right flood policy in place!
Excess Liability
Excess Liability Coverage, also known as an Umbrella Policy, steps in when the limits of your other insurance policy has been reached. When the maximum insurance coverage limit has been reached for things like property damage or lawsuits, Excess Liability is where you turn. It's a great option for people who have many high-value assets or businesses that see a lot of activity and people coming and going.
Classic Car Insurance
Insurance coverage for classic, antique, or collectible cars differs to other auto insurance. While standard automotive policies are based on what the car costs to repair, classic car insurance pays out what the vehicle is worth/what a buyer would be willing to pay for it. Though an insurance policy for a classic car can be less expensive, it's usually due to much stricter eligibility requirements (including your age and driving experience) and stricter restrictions (how often the car can be driven and how it must be stored).
Watercraft Insurance
Watercraft Insurance Coverage is as it says! Personal boats, fishing boats, yachts, jet skis, anything you have to sail those beautiful waters. We can help you find an insurance policy for almost any water vessel (houseboats excluded) so you can enjoy the water with a peaceful mind. There's also plenty of add-on coverages to suit your personal needs. Whether that be coverage for fishing/crabbing gear, the hauling trailer, or protection against ice/freezes, our insurance agency can help you customize a policy to fit your adventures.
ATV Insurance
Similar to automotive insurance coverage, an insurance policy for an ATV offers liability (injuries or damages you cause), comprehensive and collision (help replacing your ATV if it's damaged), and UM/UIM coverages (financial protection if you collide with a driver with insufficient or no insurance). There's often times add-on coverages as well, to cover any upgrades to your ATV and riding gear! The coverage you have depends on what you select and the limits you put in place, so talk to our agents who can help you figure out what is best for your needs.