Specialty lines insurance plans are written for situations where traditional insurance plans might not work very well. Often, specialty lines include coverage for situations that are unusual, difficult, or particularly risky, although they can be written for everything from commercial insurance to private homeowners insurance.

Insurance Problems

Specialty homeowners insurance is often a great option for those who cannot otherwise get a solid insurance plan. For example, these are an excellent choice for those who live on properties that have sustained damage in the past, or that have aging homes. If you have an older home, difficult-to-insure dog breed, a prior claim, or some other issue that prevents you from being considered for a traditional insurance plan, then specialty lines might be the solution.


A solid specialty homeowners insurance plan should include coverage for:

  • Vandalism, burglary, malicious mischief, and other crime
  • Hail, lightning, and windstorms
  • Fire or explosion
  • Smoke damage
  • Glass breakage
  • Riots or other commotion
  • Damage due to vehicles and aircraft
  • Personal liability protection, including medical payments

Specialty insurance is an excellent option for many different homeowners in a variety of situations.

Choosing Carriers

Specialty lines insurance is a must for some homeowners, especially those who cannot get traditional coverage. Be sure to find a good carrier who can fulfill all your insurance needs.