Other Insurance

Some things don’t fit a standard policy — the collector car under the cover, the engagement ring, the golf cart, the RV. We go beyond basic home and auto with specialty coverage tailored to the assets and hobbies that make your life yours.

Prefer to talk it through with a real person? Call us at 919-341-0606 — we answer Monday through Friday, 8:30 am to 5:30 pm, right here in Garner.

Scheduled Personal Property

Standard homeowners and renters policies cap coverage on jewelry, art, firearms, and collectibles at modest limits. Scheduling those items insures them at appraised value, typically with no deductible and broader protection — including accidental loss, like a stone falling out of a ring.

Collector Car Insurance

Classic, vintage, and rare vehicles deserve agreed-value coverage: you and the carrier lock in the car’s value up front, so a total loss pays that figure — no depreciation argument. Policies are built around limited pleasure use, shows, and secure storage, which usually makes them surprisingly affordable.

RVs, ATVs, Golf Carts, and More

Motorized toys need their own protection — see our recreational insurance page for boats, RVs, ATVs, and golf carts. And when your liability needs outgrow any single policy, an umbrella policy stretches protection across everything you own.

Frequently Asked Questions

Isn’t my jewelry already covered by my home policy?

Only up to a small special limit, often around $1,500 for theft. Scheduling valuable pieces covers their full appraised value with broader causes of loss.

How is collector car insurance different from regular auto?

Agreed value instead of depreciated value, usage tailored to hobby driving, and pricing that reflects how carefully collectors treat their cars.

Can you review everything at once?

Yes — bring us your policies and your toys, and we’ll run one review that finds the gaps and the discounts together.

Insure the Irreplaceable

If it matters to you, there’s a right way to cover it. Insure with You!