INSURANCE SERVICES

Protect What Most Policies Leave Out

From rising waters to irreplaceable valuables, we help you fill in the coverage gaps left by standard homeowners policies.

What’s We Cover

Smart Coverage for Specialized Risks

These policies are designed for the things that matter most—because not everything fits neatly under your base homeowners plan.

  • Flood Insurance

    Floods are rarely covered under standard homeowners policies. We offer protection against:


    • Flash floods & storm surges
    • Groundwater damage
    • FEMA high-risk zone losses

  • Collectible & High-Value Item Insurance

    Coverage for personal property that exceeds standard homeowners limits or isn’t covered at all. Includes:


    • Fine art, antiques, rare books
    • Jewelry, musical instruments
    • Collections of coins, stamps, or memorabilia

  • Optional Add-Ons

    • Worldwide protection
    • Scheduled item lists with appraisals
    • Restoration/replacement cost coverage

Why It Matters

Some Losses Hit Harder Than Others

Flood damage can ruin a home. A stolen heirloom can’t be replaced. That’s why we offer specialized coverage to:

  • Keep your valuables properly appraised and protected
  • Meet mortgage or lender flood insurance requirements
  • Give you peace of mind where your standard policy falls short
A brick chimney is visible through the leaves of a tree in front of a building.
Frequently Asked Questions

Flood & Collectible Insurance in Pennsylvania

  • Is flood insurance required in Pennsylvania?

    It may be, depending on your location and lender. Even if not required, it’s highly recommended in flood-prone or rapidly developing areas.

  • Does homeowners insurance cover jewelry or antiques?

    Only up to certain low limits—usually not enough for full replacement. You’ll need separate scheduled coverage for higher-value items.

  • What’s a scheduled item?

    An individual item (like a painting or ring) listed on your policy with its appraised value. This ensures accurate coverage in a loss.

  • Can I get flood insurance even if I’m not in a flood zone?

    Yes—and many claims happen outside high-risk zones. We offer flexible policies regardless of location.

  • Is collectible insurance expensive?

    Not usually. Premiums depend on the item value and type, and we offer cost-effective options even for smaller collections.