Personal Insurance › Specialty Insurance

Specialty Insurance

Some vehicles, property, and activities do not fit neatly within a standard auto or home policy. A separate policy or endorsement may be needed, depending on how the item is used and the available terms.

What to review

Motorcycles and powersports; RVs and travel trailers; boats and personal watercraft; seasonal or secondary homes; valuable personal articles; flood and earthquake questions; how existing policies interact..

Motorcycle, RV, and boat questions

For a motorcycle, ask how accessories, safety gear, and occasional riders are treated. For an RV, discuss whether it is used for trips or as a full-time residence. For a boat, consider navigation area, storage, operators, and liability while in use or at a marina. Each situation calls for a policy-specific review.

Questions to bring

• How do I use and store the item?
• Who uses it?
• Does my existing policy cover it, and with what limits?

Reading the details

Before choosing a policy, review the people and property listed, limits, deductibles, exclusions, optional endorsements, and effective date. Ask what changes when one option costs less than another. A proposal is a starting point for comparison; only the applicable policy and effective date determine coverage.

We can talk through the details and help you compare the terms that apply to your situation. A website page cannot determine whether a specific loss is covered.

Website content is provided for general educational purposes and does not amend, extend, or create insurance coverage. Coverage is subject to the terms, conditions, limitations, and exclusions of the applicable policy.