Nearly everyone is familiar with auto insurance, health insurance, and life insurance, but you can also buy a wide variety of specialty policies to protect particular valuables or to cover you in case things go wrong. Here, Montgomery Insurance, one of the most respected insurance agencies in Sandy Lake, PA, discusses some of the most common types of specialty coverage below. Since 1985, this esteemed agency has worked closely with customers throughout Mercer County to help them choose the right policy for the right price.
3 Types of Specialty Insurance
1. Recreational Vehicle Insurance
You can buy coverage to protect you financially in case of an accident involving a piece of recreational equipment. Motorcycle, Jet Ski®, or ATV insurance covers incidents like theft, collision, vandalism, and fire, and also pays for medical treatment for you or another operator in case of injuries.
2. High Value Item Insurance
Most insurance agencies offer high value item insurance to help you protect valuables that are excluded by your homeowners insurance policy. For instance, it is a good idea to purchase additional jewelry insurance for any engagement ring, pearl necklace, or heirloom items worth more than $2,000 dollars, which is the jewelry limit for many homeowners policies. You should also insure fine art and stamp or coin collections of significant value.
3. Event Insurance
Event insurance is another common type of specialty coverage. Are you getting married this spring or planning a trip to Europe? Ask your insurance agency about wedding postponement insurance, which reimburses you in case the event is delayed or cancelled, and wedding liability insurance, which covers you in case a guest falls and gets hurt on the dance floor. Travel insurance protects you against loss if the trip is cancelled, if you incur medical or legal expenses, or even if the weather causes travel complications.
Montgomery Insurance, the premier insurance agency in Sandy Lake, PA, can help you insure that off-road vehicle, that valuable baseball card collection, or that diamond pendant your grandmother left you. Visit them online to request a quote, or call (724) 376-2420 to discuss specialty insurance with a friendly, experienced professional.