Upper Antelope Canyon in the Navajo Reservation near Page, Arizona USA

Not all personal insurance coverage fits neatly into an auto or homeowners’ policy. To mitigate other types of risk, you’ll need to think outside the box—and we can help. Specialty insurance focuses on specific risks that fall outside the realm of your standard policies but can be just as important in protecting your family and your assets.  Need a quote or have question on any of the specialty lines below? Fill out the request a quote form or call RDS Insurance Brokers at 800-609-2126.

Umbrella/Excess Liability

When the limits of the liability protection that come with your home or auto insurance are exceeded by one or more claims, you could be held financially responsible for excess amounts. Umbrella insurance extends the limits of your underlying liability coverage and provides protection, so you don’t wind up paying large out-of-pocket expenses.

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Earthquake Coverage

Don’t assume that your homeowner’s insurance will compensate you for damage caused to your home during an earthquake, it won’t. You must have a separate earthquake policy to cover structural damage to your home and destroyed or damaged possessions.


Life Insurance

Many people can purchase optional life insurance coverage from their employer. Those who can’t, should consider buying a policy of their own. Preparing for the unexpected is the best way to ensure your loved ones will have help with finances. Burials, wakes, and cremation are pricey, and even the most modest of funerals could cost your family thousands. Life insurance gives your family members the financial security they need as they adjust to life without you.

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Boat & Watercraft Insurance

Almost all vehicles or vessels should be insured, including sailboats, motorboats, yachts and personal watercrafts. As any watercraft owner knows, those are a big investment. Protect your watercraft from accidents or incidents with proper watercraft coverage.


Wedding & Event Coverage

Each year, the average wedding costs more and more. The success of big, expensive events is always contingent on things that are often out of your control, such as the weather and vendor reliability. Don’t run the risk of losing all the money you’ve spent to make your day special. Protect the event you’ve planned with specialty event coverage.


Travel Insurance

The vacations you plan could cost thousands of dollars. Between airfare, hotels and tours, people lose their deposits all too often due to inclement weather or forces beyond their control. Travel insurance guarantees that your money is protected if there is a last-minute change in plans.

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Flood Insurance

Whether you live on the coast or inland you could be at risk for a flood.  Flood Insurance is not covered by your standard homeowner policy and requires a separate policy. It can cover your building and its contents; it is important to protect your important financial assets.


Pet Insurance

Medical expenses are not limited to our two-legged loved ones.  Our pets are important to us and protecting their health or caring for them in an emergency can be stressful and costly.  Pet insurance helps with those expenses.