Coverage for things a standard policy won't touch

Specialty coverage we offer in Las Vegas

Standard policies are built for common situations. When your situation falls outside the norm — a classic car you've restored, a boat docked at Lake Mead, a vacant property between tenants, valuable jewelry, or a driver who has been declined by standard carriers — you need a policy built specifically for what you actually own or who you actually are.

Classic and collector vehicle insurance

Standard auto policies pay actual cash value when a claim occurs, which means depreciation works against you. Collector car insurance uses an agreed value — you and the insurer agree upfront on what the vehicle is worth, and that's what you get paid in the event of a total loss. This matters enormously for vehicles that appreciate rather than depreciate.

Common specialty coverage types

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  Classic and collector car insurance — agreed value policies for antique, vintage, and collector vehicles
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  Boat and watercraft insurance — coverage for boats, jet skis, and personal watercraft on Lake Mead and beyond
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  Motorcycle insurance — dedicated coverage for all types of motorcycles; standard auto policies don't cover bikes
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  Jewelry and valuables insurance — blanket or scheduled coverage for rings, watches, art, and collectibles that exceed homeowners policy limits
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  Vacant property insurance — protection for properties sitting empty between tenants or undergoing renovation; standard homeowners policies often exclude vacant properties
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  Non-standard auto insurance — coverage for drivers declined by standard carriers due to driving record, gaps in coverage, or other factors
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  Umbrella liability insurance — extra liability coverage layered over your existing auto, home, and other policies for significantly higher protection limits
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  Event insurance — see our Special Event Insurance page for weddings and parties

Se habla Español

Our agents serve Spanish-speaking customers throughout Las Vegas. Start a quote online in English or Spanish, or visit our office.