Specialty coverage for the life you actually live
Identity theft, online fraud, a pet's surgery, a trip cut short or a household employee's injury all fall outside what home and auto policies were built for. We help you find which specialty coverages fit, and coordinate them with the rest of your program.
No cost to explore
Which specialty coverages fit your life?
Check what's true for you and we'll show the coverages worth a look. Nothing is stored or shared.
Your operation
Select everything that applies.
Coverage that typically applies
3 coverages — a starting point for a conversation, not a quote.
- Identity Theft ProtectionExpense reimbursement and case managers to restore your identity.
- Personal Cyber LiabilityProtection against cyber extortion, online fraud and breaches.
- Pet InsuranceHelp with vet bills for accidents, illness and ongoing care.
What each coverage protects, and who it's for
Identity theft protection
Identity theft can take months to untangle. This coverage reimburses legal fees, lost wages and re-application fees, and gives you a dedicated case manager. For: anyone with a Social Security number, bank account or credit.
Personal cyber liability
Responds to ransomware on your home network, online fraud, cyberbullying and data-breach expenses. For: families who bank, shop and socialize online, use smart-home devices or have kids online.
Pet insurance
Helps manage the cost of accidents, illnesses, surgery and medications, so care decisions aren't driven by price. For: dog and cat owners, especially with young pets or breeds prone to health issues.
Travel insurance
Protects your trip investment and provides help far from home, from trip cancellation to a medical emergency abroad, where an evacuation alone can cost $50,000+. For: international travelers, cruisers and adventure trips.
Domestic employee coverage
If you employ a nanny, housekeeper, gardener or caregiver, you have employer responsibilities, including workers' compensation in most cases. For: anyone who employs household help, even part-time.
Secondary & vacation home
Addresses extended vacancy, distance from fire departments, seasonal use and rental periods, with named-storm deductibles, wildfire terms or seasonal liability as needed. For: owners of beach houses, cabins and rental homes.
Valuables & collections
Homeowners policies cap jewelry, art and collectibles at token amounts. A scheduled personal-articles floater covers them at full appraised value, often with no deductible, worldwide. For: anyone with items above standard limits.
Learn more →One broker for your whole program
We coordinate specialty coverages alongside your home, auto and umbrella so nothing overlaps and nothing falls through the cracks.
Gaps found, not sold
We look at your whole life, flag the exposures your core policies miss and recommend coverage only where it makes sense.
Access to niche markets
Specialty carriers for cyber, identity, pet, travel and household-staff coverage.
Help when it happens
From restoring a stolen identity to a claim on the road, we help you navigate it with a person who knows you.
Cover the life you actually live
Share a few details and a broker will price the coverages that fit and follow up, usually within one business day.
- These coverages are often inexpensive
- Many can be bundled with your home or umbrella policy
- We only recommend what fits your life
Prefer to talk it through?
Call our Kirkland office and a broker will walk through your home, travel, pets and household with you.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. The coverage finder is illustrative and not a quote. Available coverages, eligibility, limits and premiums vary by carrier, applicant and state, are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.