Specialty Insurance

Specialty insurance offers protection for unique or high-risk situations not typically covered by standard home, auto, or business policies. These can include things like pet health insurance, farm & ranch coverage, or flood protection. Specialty policies help fill gaps where traditional coverage falls short.

Pet insurance can help you manage the cost of veterinary care, from unexpected accidents to chronic illnesses. Policies often cover treatments, surgeries, and even preventive care. If your pet is like family, it’s a valuable way to offset potential medical expenses.

Farm & ranch policies typically cover your property, equipment, livestock, and liability risks. Whether you run a small hobby farm or a larger operation, this coverage helps protect your investment from weather events, accidents, theft, and more.

Homeowners with luxury properties, custom-built homes, or valuable collections should consider high-value home insurance. This coverage provides higher limits & protects against unique risks that standard homeowners insurance may not fully address—ensuring your property is covered at its true replacement cost.

Flooding can happen anywhere, not just in high-risk zones. About 25% of flood claims come from areas considered low-to-moderate risk. If you want peace of mind or if your property is near water, we can help you explore affordable flood insurance options.