Going Beyond the Standard for Property Protection

Specialty Assets & Circumstances:

Either as an addition to your standard policy or as a stand-alone comprehensive plan, specialty insurance can help you protect any number of exceptional cases.

• Expensive homes

  which could include residences being used as either primary or secondary homes

• Specialty home features

  including anything not included on a standard home, or a custom addition to the house. For example: a helipad, indoor sports court, swimming pool, or other custom-built features

• Luxury items

  including possessions of great value such as jewelry, art, wine collections, coin collections, show dogs, exotic animals, and/or firearms

• Luxury or high-end vehicles

  including any vehicle of high value, rarity, qualified as a collector’s item, etc.

• Homes with additional security

  such as guard dogs, hired security services, and other security personnel

Covered Despite High-Risk Factors:

As specialty brokers, we’re able to provide insurance solutions and flexible underwriting to cover any number of scenarios that insurance providers typically avoid, or refuse to insure.

• Natural disasters

  such as floods, mudslides, earthquakes, wildfires, hurricanes and more

• High-risk areas

  where natural disasters or home damages are more likely to occur

• Unusual risk scenarios

  that may be considered an exclusion on other policies. For example, we have coverage solutions for roofs that are 10 years old and over.

• Complicated claims history

  for insureds with a past of frequent or expensive claims

• Homes with additional security

  for insureds who have been dropped, declined, canceled, or non-renewed by an insurance provider in the past

Know The Facts

See the facts about the property and casualty insurance market in 2022:

• 2022 is the 8th consecutive year in which 10 or more billion-dollar weather and climate disaster events have impacted the U.S. (18 such events in 2022). Source
• The personal lines segment (personal auto and homeowners’) incurred an estimated underwriting loss $34.9 billion for 2022, nearly tripling the prior-year level. Source
• The Guy Carpenter U.S. Property Catastrophe Rate on Line Index increased by a significant 30.1% at the January 2023 reinsurance renewals, taking rates to an all-time high. Source