Flood, earthquake, umbrella liability, bonds, and other coverage that falls outside a standard policy. If it's hard to insure, ask us.
Some risks fall outside every standard policy — home, auto, business, or otherwise. Flood damage, earthquake risk, extra liability protection, and a long list of niche coverage needs all need a dedicated policy — and they're exactly the kind of thing an independent broker is built to sort out.
Homeowners insurance excludes flood and earthquake damage by default. If you're in a flood zone, near a fault line, or simply want more liability protection than your home and auto policies provide on their own, specialty coverage closes that gap.
Boats, RVs, license and surety bonds, and other coverage that doesn't fit a standard category often need a specialty market. We know which carriers are actually willing to write these policies — and at what price.
It's not required statewide, but your mortgage lender may require it if your property is in a designated flood zone. Even outside those zones, flooding is one of the most common uninsured disaster losses nationally.
It adds extra liability protection on top of your home and auto policy limits — for example, if a lawsuit judgment exceeds what your underlying policies pay out.
Probably. This category exists for exactly that reason — reach out and describe what you're trying to insure, and we'll tell you honestly whether it's something we can place.
Standard homeowners policies cover sudden water damage from things like burst pipes, but exclude flooding from rising water, storm surge, or overflow — that's what a separate flood policy covers.
Most clients bundle two or more of these — ask us about multi-policy discounts.