What is Specialty Insurance?

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 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.

Specialty 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 should complement your existing auto, home and umbrella policies. An example of these offerings through Ameriprise Auto & Home Insurance and its partners include:

• Antique vehicles
• ATVs
• Flood insurance for your home or car—and yes, there is a difference!
• High value homes and rentals
• Motorcycles
• Recreational vehicles
• Watercraft

Added Protection

Losing a one-of-a-kind item or a unique vehicle to fire or theft or suffering damage in a flood is painful enough. Finding out your insurance doesn't cover the replacement of the item, vehicle or your home or auto can make the situation even worse.

That's why we've developed partnerships with insurance companies that offer specialty insurance. we can help you find coverage options for these unique items. Through our partnerships, you can explore options for insurance coverage for a wide range of specialty items.