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Colorado Insurance Blog

What Specialty Insurance Is and How It Works

Though you may not have heard the term “specialty insurance” before, you’ve likely encountered this type of policy. In the most basic sense, specialty insurance covers unique items that are likely not covered by a traditional insurance policy. Denver, CO residents need to understand all the options available, which is why the team here at AFI Insurance is taking a closer look at specialty insurance as a whole.

Things That Need Specialty Insurance Coverage

Generally speaking, a specialty insurance policy is designed to cover the cost of repairing or replacing rare/expensive items or events. Policies are available for leisure activities and travel, as well as boats, classic cars, motorcycles, snowmobiles, jet skis, and even pets. In short, if you want or need it to be insured, there’s a policy. These policies can often be customized to suit specific situations and are ideal for anyone that wants to protect themselves and their property.

To complicate matters, some of these items are required to be insured by law, which can vary from state to state and change as new laws are passed. The best way to ensure you have the right coverage for your items is to contact an experienced insurance agent. This allows you to not only compare different coverage types with ease but also helps you make sure you’re getting the best rate.

Considering Specialty Insurance? Contact AFI Insurance in Denver, CO Today!

When you need to insure items not covered–or inadequately covered–by traditional insurance plans, contact our team today! We’ll do the hard work for you, presenting you with the plans that most closely match your needs from the top providers in the country. Contact us today to learn more or to receive a quote!



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