Specialty lines
Boats, campers and everything else
These are the policies a one company shop most often has to decline, which is usually the moment somebody first calls an independent agency. Full Circle writes all six.
Specialty is where the carrier bench earns its keep
On home and auto, eight carriers get you a better price. On specialty lines, eight carriers frequently decide whether the thing can be insured at all. Appetite for boats, campers, ATVs and older or unusual property varies wildly between companies, and a carrier that has no interest in your camper is not being difficult, it simply does not write that book. Foremost and Progressive are in this bench specifically because they do.
Worth asking about even when you assume it is covered
The most common conversation here starts with somebody assuming their homeowners policy already handles it. Occasionally that is true, at a limit far lower than they expect. Usually it is not true at all. A five minute call establishes which, and it is a great deal cheaper than establishing it during a claim.
Full Circle Insurance, Wexford, PA. Appointed with Foremost, Progressive, Travelers and five more. Call (724) 935-8000.
The six specialty lines
- Boat and yacht
- A homeowners policy will sometimes cover a very small boat and almost never covers the one you actually keep on a trailer. Hull, liability on the water, and cover for the trailer and the motor are their own policy.
- Motorcycle and ATV
- Rated on the machine and the rider rather than on a car formula, and seasonal in a way auto policies are not. Progressive and Foremost both sit in the bench for this.
- Recreational vehicle
- A camper is a vehicle and a dwelling at once, and needs a policy that understands both. Contents, liability while parked up, and cover for the time you actually live in it.
- Flood
- Its own policy, always. A standard homeowners form excludes rising water, which is the gap people discover at the worst possible moment. It is worth pricing even outside a mapped high risk area.
- Jewellery and valuable items
- A standard policy caps what it will pay for jewellery, and the cap is usually far below one good ring. Scheduling an item insures it for an agreed value and typically drops the deductible on it.
- Wedding and events
- Cover for the deposits and the liability on a single day that has a great deal of money committed to it and a great many suppliers who could let you down.