California Specialty insurance coverage

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Specialty Insurance Coverages

Specialty Insurance

Many consumers know that specialty insurance is a thing. They, however, do not quite understand the need for such indemnity coverage. What is specialty insurance, and why would you need a policy? Bayshield Insurance Services can help you navigate through the unknown, California.

What is specialty insurance?

Specialty insurance is, as its name states, assurance that pays for loss or damages to unique or high priced items. This sort of coverage is ideal when you have antique possessions or jewelry that home owner's and umbrella insurance plans cannot adequately pay for in the instance of loss or damage.

It is important to note that specialty insurance is not synonymous with umbrella assurance. Many homeowners and auto drivers have the added peace that an umbrella policy brings but lack the additional assurance of specialty insurance. You should definitely consider adding a specialty plan to your standard policy if you own expensive items such as recreational vehicles (RVs), boats, and motorcycles. It would be nothing short of tragic if these possessions were destroyed and your insurance policy did not pay enough to adequately finance replacements.

What items are included in a specialty insurance plan?

The type of possessions that your specialty indemnity plan covers varies, but may include:

  • Classic Cars
  • ATVs
  • Motorcycles
  • Recreational Vehicles
  • Watercraft

There is also the possibility of getting coverage for high priced vacation homes and rentals as standard insurance policies usually fail to provide substantial financing for loss or damage of such properties.

Specialty coverage is not an option

Too many consumers stop short of standard insurance policies and think that they have enough financial backing to get them through unexpected occurrences. It is not until they find themselves personally responsible for losses to prized possessions that they realize more coverage was necessary. You do not have to be one of the unfortunate buyers to experience the double shock of loss in California coupled with a bad insurance plan. Call Bayshield Insurance Services today for a specialty insurance quote!

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