Custom Solutions

Custom Solutions

Rose & Kiernan can help you find a custom insurance solution to meet whatever specific needs you may have.

Valuable Articles

Homeowners policies limit the amount paid out for theft, mysterious disappearance or breakage on a large range of items. To gain added protection, R&K can design a program by individually listing high value, one of a kind items or creating a blanket limit to protect your valuables. 

We’ll work with you to find the right solution for your most treasured items, including:

  • Jewelry
  • Furs
  • Golf Clubs
  • Stamps & Coins
  • Fine Arts
  • Silverware
  • Wine Collections

 Flood Protection

All too often, people do not realize that flood insurance is not included under their homeowner’s policies. But flooding is the United States’ most common natural disaster. Whether you live in a flood zone or not, securing this coverage may be more important than you think. It affects people who live nowhere near water and the associated costs mount up fast.

Boat Policies

A boat owners’ policy can protect you against most risks of owning and operating your watercraft, it’s motor, and trailer – whether it’s a boat, sailboat, yacht, or other marine vehicle,. It also can insure you against liability lawsuits, should someone or their property become injured or damaged by your watercraft.

Umbrella Liability

Should a lawsuit ever be brought against you, your homeowner’s or automobile policy will provide you with some liability coverage. While these policies will help toward the payment of attorney’s fees and whatever judgments are made against you, these primary policy limits may not be enough. An extra layer of liability protection is often needed. That’s exactly what a personal umbrella liability policy does for you, kicking in when coverage on your primary policy is exhausted.

Excess Liability

For individuals with substantial assets, high-value homes, and/or unique exposures that make them more in need of a greater level of liability protection, excess liability coverage should also be considered.

Excess Uninsured/Underinsured Motorist Coverage

For individuals carrying proper underlying liability limits on their auto, this additional coverage provides a much higher payout in the event you or a family member becomes the victim of an uninsured or underinsured driver.