Supplemental and Specialty Insurance

Protection for your special assets

Not every insurance situation is the same. Basic homeowner or other asset protection sometimes needs to be supplemented with speciality policies to protect high-value or unusual items.

Specialty Supplemental Coverage

• Provides repair or replacement costs for items whose value exceeds the value of the place where they are stored
• Protects wedding expenses against a lost or stolen ring or gown, damaged gifts or photos, severe weather, unexpected illness or personal commitments like military call-up that might jeopardize expensive plans
• Covers home-based businesses, including office equipment
• Offers protection if you employ domestic workers—a nanny, housekeeper, home health aide—with liability protection from lawsuits, as well as coverage for expenses if that worker is injured on the job
• Allows homeowner to recoup full value of property lost due to fire, theft, or other causes
• Supplements homeowners’ or renters’ policies that may have limitations or deductibles

Jewelry/Collectibles/Fine Art

• Protects collectibles of high value
• Provides repair or replacement costs for jewelry items
• Ensures coverage of fine art, including high-priced antiques and family heirlooms
• Supplements homeowners’ or renters’ policies that may have limitations or deductibles

Umbrella

• Provides additional liability coverage beyond that of your automobile and home insurance policies
• Helps guard your personal and family’s finances and future
• Can provide a lawsuit safety net if someone sues, and you are liable for costs that exceed your resources
• Can help to prevent the loss of your family’s home, possessions and savings to jury awards, settlements and lawsuits