Specialty Insurance

Everything else
you love deserves
protection too.

Standard policies don't cover everything you own. From motorcycles and boats to collectibles and event coverage โ€” we find the right specialty policy for the things that matter most to you.

โœ“ Motorcycles & Powersports โœ“ Boats & Watercraft โœ“ Classic & Collector Cars โœ“ Event & Wedding Insurance
Specialty Carriers We Work With
HagertyMarkelProgressiveNational GeneralChubb+ 10 more
โœฆ Free & No Obligation

Get Your Specialty Quote

Tell us what you need covered

What do you need to insure?
Tell us about what you're insuring
Where should we send your quotes?
๐Ÿ”’Secure & never sold. A licensed CoverGuard agent will contact you.
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Got it, there!

A specialty insurance agent will reach out within 1 business hour with your quotes.

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What We Cover
If your standard policy
won't cover it, we will.
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Motorcycle
Cruisers, sport bikes, touring & off-road
Popular
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Boat & Watercraft
Sailboats, powerboats, jet skis & pontoons
Popular
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Classic / Collector Car
Agreed value coverage for vintage vehicles
Specialty
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RV & Motorhome
Class A, B, C motorhomes & travel trailers
Popular
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Event Insurance
Weddings, corporate events & private parties
Growing
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Jewelry & Fine Art
Rings, watches, artwork & collectibles
Specialty
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Off-Road Vehicles
ATVs, UTVs, dirt bikes & snowmobiles
Popular
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Aircraft & Drones
Private planes, helicopters & commercial UAVs
Specialty
Why You Need It
Your standard policy
has more gaps than you think.
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Standard Policies Exclude Your Best Stuff

Homeowners policies typically limit jewelry coverage to $1,500. Auto policies exclude motorcycles, classic cars, and off-road vehicles. Boat policies aren't included in anything standard. Specialty insurance fills every one of these gaps with the right coverage designed specifically for what you own.

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$1,500
Maximum most homeowners policies cover for jewelry โ€” often far below actual value
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Agreed Value Coverage

For classic cars and collector items, we offer "agreed value" policies โ€” meaning you're paid the full insured amount with no depreciation in the event of a total loss.

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Fast, Same-Day Quotes

Many specialty policies can be quoted and bound same-day. Whether it's a motorcycle you just bought or a wedding next month โ€” we move fast.

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Specialist Carriers Who Actually Know Your Item

A carrier like Hagerty understands classic cars in a way a generalist insurer never will. We match you with the right specialist carrier for your specific item โ€” which means better coverage terms and often lower premiums from carriers who understand the actual risk.

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Coverage Details
What your specialty policy
actually covers.
Item TypeStandard Policy GapSpecialty Policy IncludesStatus
Motorcycle
All types including scooters
Excluded from personal autoLiability, collision, comprehensive, roadsideSpecialist Needed
Classic Car
Vehicles 15+ years old
ACV pays market value (low for classics)Agreed value โ€” full amount paid, no depreciationSpecialist Needed
Boat / Watercraft
Sail, power, personal watercraft
Excluded from homeowners (most cases)Hull, motor, trailer, liability, towingSpecialist Needed
Jewelry & Fine Art
Rings, watches, paintings
Typically $1,500โ€“$2,500 capFull appraised value, worldwide coverageRider or Floater
Event Insurance
Weddings, parties, conferences
Not covered anywhereCancellation, liability, vendor failure, injuryStandalone Policy
RV / Motorhome
All classes, travel trailers
Auto policy excludes; home excludesFull-timer coverage, roadside, personal effectsSpecialist Needed
Client Stories
Specialty coverage that
actually paid off.
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"My 1967 Mustang was totaled by a flood. My regular insurer would have paid me market value โ€” about $14,000. Because CoverGuard put me in a Hagerty agreed value policy, I received the full $42,000 insured value. I couldn't believe it. That's the difference a specialty policy makes."
BW
Bill W.
Classic Car Collector ยท 1967 Ford Mustang
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"Got event insurance for our wedding. Venue had a water main break 3 days before. Got fully reimbursed for the deposit and rescheduling costs. Peace of mind we never thought we'd need."
AL
Amanda & Luis
Wedding Insurance Clients
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"Discovered my homeowners policy only covered $1,500 of my $18,000 watch collection. CoverGuard got me a jewelry floater the same day. Huge weight off my mind."
KN
Kevin N.
Jewelry & Watch Collector
FAQ
Specialty insurance,
explained simply.
Why can't I just add this to my homeowners policy? +
Some items like jewelry can be added as "riders" or "floaters" to a homeowners policy. But specialized items like motorcycles, boats, classic cars, and RVs need standalone specialty policies that are designed around the specific risks โ€” and often provide much better terms than a rider would.
What is "agreed value" coverage and why does it matter? +
Standard policies pay "actual cash value" โ€” which deducts depreciation. A classic car or collector item may be worth far more than a standard insurer would pay. Agreed value means you and the carrier agree upfront on the car's value, and that's what you receive in a total loss โ€” no arguments, no depreciation.
How much does specialty insurance cost? +
Costs vary widely depending on the item. Motorcycle insurance can start under $20/month. Classic car insurance is often surprisingly affordable (sometimes less than regular auto) because usage is limited. Jewelry floaters typically cost 1โ€“2% of the item's value annually. We'll get you the most accurate rate.
Can I get event insurance for a party next week? +
Often yes โ€” many event policies can be bound within 24โ€“48 hours. The sooner the better, but don't hesitate to reach out even if your event is close. Policies cover cancellation due to weather, vendor no-shows, venue issues, and liability for guest injuries.
Does my motorcycle policy include gear coverage? +
Many specialty motorcycle policies include optional rider gear coverage that protects your helmet, jacket, gloves, and boots in the event of an accident. We'll make sure you understand exactly what's included and recommend any add-ons that make sense for how you ride.
What's an umbrella policy and do I need one? +
An umbrella policy adds extra liability coverage above your existing auto, home, and other policies โ€” typically in $1M increments. If you have significant assets, a boat, rental properties, or a pool, umbrella coverage is one of the most cost-effective ways to protect everything you've built.

Don't leave your most prized possessions unprotected.

Free quote. Same-day coverage available. Specialty insurance experts.

โœจ Get My Specialty Insurance Quote