For the things that are hard to replace.
Some possessions sit outside a standard policy. Boats, recreational vehicles, collections, and valuables deserve coverage built around them.
For the things that don't fit a standard policy: classic cars, fine art, jewelry, boats, and homes that exceed the ordinary. We match rare assets with the carriers built to protect them properly.
In plain terms
Specialty and high value insurance provides coverage for valuable or unusual property, such as classic cars, fine art, jewelry, watercraft, and homes above standard value limits, that typically requires higher coverage limits, agreed value provisions, or specialized policy forms not offered under standard policies.
The parts of the policy, named plainly.
Each line below does a specific job. We make sure you can point to any one of them and say what it's for.
Watercraft
Coverage for boats and personal watercraft on and off the water.
Recreational vehicles
Protection for RVs and other recreational equipment.
Valuables
Named coverage for jewelry, art, instruments, and collections.
Agreed value
Sets a clear figure up front so there is no debate at claim time.
The questions worth sitting with.
A few honest considerations, and the situations this coverage tends to fit. We talk through both before anything's decided.
Considerations
- The true replacement value of each item
- Whether items need to be scheduled individually
- Seasonal use and storage conditions
- How specialty items relate to your other policies
A good fit for
- Owners of boats, RVs, or recreational equipment
- Collectors and owners of fine items
- Anyone whose valuables exceed standard limits
The things people ask us most.
Why not rely on my home policy for valuables?
Standard policies often cap categories like jewelry. Scheduling sets a clear value so the item is fully covered.
Can you cover seasonal items?
Yes. We account for seasonal use and storage so coverage fits how you actually use the item.
Other pages in the personal ledger.
Most plans are a combination of lines. Here is the rest of the personal chapter to read alongside this one.
Auto Insurance
Coverage tailored to keep your family and your vehicles protected.
In plain terms
Auto insurance covers liability for injuries or property damage you cause in an accident, along with optional coverage for your own vehicle's repair costs, medical payments, and protection against uninsured or underinsured drivers.
Home and Property Insurance
A home is never just four walls. We protect the structure, what fills it, and the life built inside, properly and without the gaps standard policies leave behind.
In plain terms
Home and property insurance covers your home's structure, personal belongings, and liability for injuries or damage that occur on the property, along with additional living expenses if the home becomes uninhabitable due to a covered loss.
Umbrella Liability
For the moments your other policies reach their limit. Umbrella coverage stands ready above your auto and home policies, protecting what you've built from the claims that exceed the ordinary.
In plain terms
Umbrella insurance adds extra liability coverage on top of your auto and home policies, kicking in once those limits are used up, protecting your assets from large lawsuits or claims.
Life Insurance
Life insurance isn't about the policy, it's about the people it protects. We help you find the right coverage to safeguard your family's future, income, and peace of mind, without overpaying for what you don't need.
In plain terms
Term covers a set number of years and is usually lower cost. Permanent lasts for life and can build value over time. The right one depends on the job you need it to do.