What is specialty insurance?
From motorcycle insurance to boat insurance, protect your unique items.
We hear it all the time: “Specialty insurance? What’s that and why do I have it or why do I need it?”
In simple terms, specialty insurance coverage is exactly what it sounds like: It’s insurance that can be purchased for items that are special or unique. Specialty insurance policies are important for items that are not typically covered under other insurance policies.
Type of Specialty Insurance Coverage Available
Consider the items you own that are not covered by other insurance policies. For example, what vehicles do you drive that aren’t included on your auto insurance policy? What additional coverage is required to protect your home in the event of a flood? Specialty insurance policies complement your existing auto, home and umbrella policies. Types of specialty insurance offered through Ameriprise Auto & Home Insurance and its partners include:
Classic car insurance – Whether you’ve spent hours and hours on restoration or bought a one-of-a-kind collector’s item, protect your antique car with classic car insurance.
ATV insurance – Enjoy the ride with coverage for your all-terrain vehicle. This specialty insurance coverage will protect you whether you ride for fun or function.
Flood insurance – Find coverage for your home or car—and yes, there is a difference!
High-value homes and rental insurance – Take the worry out of being a landlord or covering your high-value home.
Motorcycle insurance – In case of storm, accident or other natural disaster, make sure your bike will be still be ready to ride with motorcycle insurance.
RV insurance – Recreational vehicles give you the freedom to adventure anywhere. Whether you travel cross-country or simply use your RV for weekend camping, stay on the road with RV insurance.
Boat insurance – From sailboat to pontoon or even jet ski, stay afloat with boat insurance coverage.