Who it’s for
- Motorcycle, boat, RV, or ATV owners
- Collectors and owners of valuable property
- Owners of seasonal or vacant homes
- People whose risks extend beyond standard policies
Protection beyond the everyday
Specialty Insurance
Coverage for valuable, recreational, seasonal, and less-common personal risks.
In plain language
Specialty policies protect property and activities that may not fit—or may have limited protection—under a standard home or auto policy.
What it can cover
- Recreational vehicles
- Watercraft
- Classic and collector vehicles
- Valuable articles and specialty property
Common examples
- A boat is damaged while being transported
- A collector vehicle needs agreed-value protection
- Jewelry exceeds a standard home-policy limit
- A seasonal home is damaged while unoccupied
Options to discuss
- Agreed value
- Roadside and towing
- Accessory coverage
- Scheduled property
Let’s review the fit