Specialty Lines Insurance
Beyond standard homeowners, auto, or business insurance, there are specialty insurance policies designed to protect against unique risks. Whether for your family, your home, or your business, we can help you determine which policies are right for you and provide a personalized quote.
Flood Insurance - protect your home from water damage
Even if you don’t live in a designated flood zone, floods can occur unexpectedly and cause devastating damage. Standard homeowners insurance typically does not include flood coverage.
- National Flood Insurance Program (NFIP): Provides coverage in specific areas, but only a small percentage of homeowners are protected.
- Flood damage is a low likelihood, high-cost risk that can leave you financially exposed without proper coverage.
A flood insurance policy ensures you have protection when disaster strikes.
Event Liability Insurance - cover your special occasions
Planning a wedding, graduation party, family reunion, or corporate event? Event liability insurance helps protect you from unexpected accidents, injuries, or property damage during your event.
Additional options include:
- Event cancellation insurance: protects your investment if the event is postponed or canceled
- Host liquor liability insurance: covers incidents related to alcohol service at your event
Wedding Insurance - protect your big day
Customizable wedding insurance policies safeguard couples from common wedding-related risks, such as:
- Postponement due to illness, deployment or unforeseen circumstances
- Accidental damage to wedding attire, food or rings
- Vendor cancellations or failures to meet contractual obligations
Earthquake & Sinkhole Insurance - safeguard your home
Standard homeowners policies generally do not cover earthquakes or sinkhole damage. Specialized earthquake insurance or sinkhole insurance protects your home, building, and property from costly natural disasters.
- Earthquake insurance covers structural damage caused by seismic events
- Sinkhole insurance covers rare but potentially high-cost damage to your property. Check your homeowners policy to make the right decision.
Valuable Possessions Insurance - protect your most important items
High-value items like jewelry, fine art, or collectibles may not be fully covered under a standard homeowners policy. Valuable possessions insurance ensures that your personal treasures are properly protected.
Identity Theft Insurance - secure your personal information
Identity theft protection provides coverage and assistance for:
- Monitoring for fraudulent activity
- Protecting minors’ personal information
- Recovery support after identity theft incidents
SR-22 Filing - proof of auto liability insurance
High-risk drivers may be required to file an SR-22, a form that verifies you have secured proper personal auto liability insurance. This ensures compliance with state requirements and protects your driving privileges.