Specialty Insurance Coverage: Beyond the Basics
Flood zones, rental properties, high-value homes, and extra liability needs that a standard policy does not fully cover.
When You Need More Than a Standard Policy
A standard homeowners policy on Long Island excludes flood damage, caps payouts on a high-value home, and was never built to cover a rental property, so we source flood, landlord, high-value home, and excess liability coverage from carriers that specialize in exactly these gaps.
Specialty Lines Coverage Options
Flood Insurance
Coverage for flood damage, which standard homeowners policies exclude.
Get a Quote →Landlord & Rental Property
Coverage for the building and your liability as a landlord.
Get a Quote →High-Value Home Coverage
Higher limits and broader protection for homes that exceed standard policy caps.
Get a Quote →Excess / Umbrella Liability
Additional liability protection layered on top of your existing policies.
Get a Quote →Not sure what coverage you need?
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Frequently Asked Questions
Do I need flood insurance in Suffolk County?
Standard homeowners policies do not cover flood damage. If your property is near the coast, a bay, or a flood zone anywhere on Long Island, we can quote a separate flood policy alongside your homeowners coverage.
What counts as a high-value home?
There is no single cutoff, but homes with replacement costs, finishes, or contents beyond what a standard homeowners policy limits will cover usually need a high-value policy.
Do you insure rental and investment properties?
Yes. Landlord policies cover the building and your liability as a landlord, and are different from a standard homeowners policy.
Is umbrella insurance expensive?
Umbrella policies are usually inexpensive relative to the extra liability protection they add, especially when layered on top of an existing home and auto policy.
Can I get specialty coverage even if a standard carrier turned me down?
Often, yes. Specialty carriers are built to underwrite risks that standard carriers decline, so a turndown elsewhere doesn’t mean you’re out of options.
If it does not fit a standard policy, there is still a good chance we can quote it.
Don’t see what you’re looking for? Give us a call.