Specialty Insurance

Protect Your Passion with Specialty Insurance

Specialty insurance is designed to provide coverage for unique and valuable assets that may not be fully protected under standard insurance policies. Whether you own a classic car, a boat, or a motorcycle, specialty insurance ensures that your prized possessions are safeguarded against unexpected events. Explore the different types of specialty insurance below to find the right coverage for your needs.

Classic Car Insurance

Classic car insurance is tailored specifically for vintage and collectible vehicles. These cars often have higher values and unique needs compared to regular vehicles. Key features of classic car insurance include:

• Agreed Value Coverage: Unlike standard auto insurance, classic car insurance offers agreed value coverage, which means you and the insurer agree on the car's value upfront. In the event of a total loss, you receive the full agreed value without depreciation.

• Flexible Usage: Classic car insurance policies often allow for limited use, such as car shows, exhibitions, and occasional leisure drives, ensuring your vehicle is protected while you enjoy it.

• Specialized Repair and Restoration: Coverage includes access to specialized repair shops and restoration services to maintain the authenticity and value of your classic car.

Boat Insurance

Boat insurance provides comprehensive coverage for various types of watercraft, from small boats to yachts. Key features of boat insurance include:

• Physical Damage Coverage: Protects your boat against damage from accidents, theft, fire, and natural disasters. This includes coverage for the hull, machinery, and equipment.

• Liability Protection: Covers legal expenses and damages if you are found responsible for injuries or property damage to others while operating your boat.

• Medical Payments: Provides coverage for medical expenses incurred by you or your passengers in the event of an accident.

• Salvage and Wreck Removal: Covers the cost of salvaging or removing your boat if it is damaged or sunk.

Motorcycle Insurance

Motorcycle insurance is designed to protect your bike and provide financial security in case of accidents, theft, or other incidents. Key features of motorcycle insurance include:

• Collision Coverage: Pays for repairs or replacement of your motorcycle if it is damaged in a collision with another vehicle or object.

• Comprehensive Coverage: Protects against non-collision-related incidents, such as theft, vandalism, fire, and natural disasters.

• Liability Coverage: Covers legal fees and damages if you are found responsible for injuries or property damage to others while riding your motorcycle.

• Uninsured/Underinsured Motorist Coverage: Provides protection if you are involved in an accident with a driver who has insufficient or no insurance.