Marine and aviation risks live in specialty markets with their own underwriters, their own questions and their own discounts. A yacht policy cares about navigation territory, lay-up periods and crew; an aircraft policy cares about hours in type, hangaring and instruction.
An agency that rarely sees these risks tends to force them into generic forms, or decline them entirely. Placed properly, specialty coverage is often broader and better priced than the generalist alternative, because the underwriter actually understands what they're insuring.
If your boat or aircraft is currently insured as an afterthought to the home policy, it's worth a second look.
Wondering how this applies to you? A coverage review takes one short call.
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