Well, Specialty Insurance, simply put, is just what it sounds like. It is insurance that is available for purchase to cover those items which are special or unique. These items are not usually covered under other policies, which underscores the importance of Specialty Insurance policies.
Specialty policies are needed to supplement or compliment your existing auto, homeowner and umbrella coverage. These types of policies provide coverage for your items which are not covered by your other policies. For instance, vehicles not covered with your auto insurance, i.e., an RV, a motorcycle, your boat. Your homeowner policy covers some flooding but not others. Additional specialty coverage may be needed to protect your assets from natural floods.
These are a few of the specialty coverage available from First Beneficial Insurance Services and our partners:
- Recreational Vehicles
- Antique and Classic Vehicles
- High Value Homes
- Flood Insurance
- Rental Property
Owning an RV can mean different things to different owners. Some love the ability to hit the open road and travel wherever their heart desires, while others prefer regional and short term camping to enjoy the great outdoors. However you choose to enjoy your RV, specialty recreational vehicle insurance helps keep you motoring with peace of mind.
Regardless of how you enjoy your watercraft, (pontoon, sail boat, motorboat, fishing boat, PWC such as a sea-doo) watercraft assists you in enjoying your toys with confidence and peace of mind. Whether you are looking to add a watercraft, or to update an existing policy, we‘re here to help find the right coverage for you.
Any motorcycle enthusiast knows the thrill of hitting the open road. You can make the ride even more enjoyable with the proper motorcycle insurance policy to protect your hard earned bike in the event of an accident, natural disaster or storm. Motorcycle insurance is a specialty coverage designed specifically with motorcyclists in mind. Whether your motorcycle is just left the dealership for the first time, or it is a classic, we can help you get the coverage you need.
Antique and Classic Cars:
Antique, classic, or collector car, regardless of how you refer to your “baby”, you’ve come to the right place to get proper insurance coverage for it. Whether you’ve put in sweat and tears getting your prized possession ready to be gawked at, bought a beauty ready to hit the streets or its just to pretty to let the rubber touch the asphalt, you need to be sure you have adequate coverage.
When the area you reside in is hit with a flood, will you be ready? Standard Homeowner policies do not cover floods. A flood can not only ruin your belongings but cause damage to your home which can cost many thousands of dollars to repair. Be protected from rising water that enters your home from outside with Flood Insurance from First Beneficial Insurance.
Typical homeowner insurance policies have no coverage in the case of damage to your home caused by the movement of the earth below it. Earthquake insurance is available as an additional policy outside your homeowner or renters policies. There are many myths and rumors regarding earthquake insurance in regards it’s viability and cost effectiveness. Give us a call to discuss your specific situation to see if earthquake insurance is right for you.
Whether for work or play, ATV insurance lets you get the job done with confidence and the peace of mind knowing your ATV is covered should you experience a mishap. Whether your ATV is brand new or experienced, we can assist you in getting the coverage you need.
If you’re a landlord, you’ve taken on the risk of rental property ownership. We can assist you in helping to mitigate that risk with obtaining the proper policy and coverage for your particular situation and needs.