Specialty Insurance
Insurance for the fun things in life — from your boat to your motorcycle, your RV to your classic car. Our specialty insurance policies protect your passions so you can enjoy them without worry.
About Specialty Insurance
Home and auto insurance don’t always cover everything. Specialty insurance steps in to safeguard those unique assets and recreational investments that deserve dedicated protection. Whether you’re cruising Lake Conroe on your boat, taking your Harley across Hill Country, or exploring Texas in your RV, we’ll help you find the right coverage to keep your adventures protected — on the road, on the water, or off the beaten path.
Keep your “toys” protected year-round
A lot can happen even when your specialty vehicle is parked. Theft, storm damage, or accidents can mean costly repairs or replacements. A tailored policy ensures your investment is covered.
Enjoy the ride without liability worries
If someone gets injured around your ATV or on your boat, liability protection kicks in — saving you from paying medical bills or lawsuits out of pocket.
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Custom Protection For Unique Needs
From luxury vehicles to rugged off-road toys, specialty insurance gives you confidence that your prized possessions have more than the basic coverage.
Boat & Watercraft Insurance
Covers damage from collisions, storms, sinking, theft, plus liability if an accident happens on the water.
Motorcycle Insurance
More than just a required policy — we’ll help you secure coverage for custom parts, gear, and additional medical protection.
RV & Camper Insurance
Covers you whether parked or traveling, protecting your mobile home-away-from-home along with personal belongings inside.
Our Process
Getting coverage for your special ride is easier than you think.
01.
Tell us what you love
We’ll start by learning about your boat, bike, RV, ATV, or collectible vehicle — how you use it, store it, and what it’s worth.
02.
Find the best-fit policies
We compare specialty insurers to build a plan that fits your needs, from collision to total loss replacement.
03.
Fast approvals & ID cards
Most specialty policies are quick to issue. You’ll be ready for the road (or water) in no time.
04.
Easy claims & ongoing support
If the unexpected happens, we’re here to walk you through the claim — and keep your policy updated each season.
We protect what brings joy and freedom to your life — with dedicated expertise and personal attention.
Why Custom Coverage Is Key
Tailored For How You Actually Use It
We ask the right questions so your policy covers your real lifestyle, not just a generic template.
Competitive Rates & Top Carriers
We work with a range of specialty insurers to get you the best mix of price and protection.
A Trusted Local Team
If something happens, you’re not dialing a stranger in another state — you’ve got a local advocate ready to help.
what our clients are saying
We take pride in delivering fast, honest service — and making sure our clients feel confident in their coverage. Here’s what they’ve shared:
“Farmers helped me find the right commercial insurance for my startup. Their personalized approach made me feel like I was in good hands.”
– John M
“Their team goes above and beyond to answer my questions and provide updates. It’s rare to find such genuine care and professionalism these days.”
– Emma
“Farmers Insurance has been with us for years, covering our home, auto, and even our boat. I trust them completely to take care of what matters most.”
– David
“I switched to Farmers for my business insurance, and it was the best decision ever. They offer tailored coverage and took the time to explain everything in detail.”
– Michael T
“Farmers Insurance has been a lifesaver for my family. Their team is always friendly, responsive, and ready to help. I feel confident knowing my home and car are protected with them.”
– Zhon
“Farmers Insurance has been a lifesaver for my family. Their team is always friendly, responsive, and ready to help. I feel confident knowing my home and car are protected with them.”
– Zhon
“I switched to Farmers for my business insurance, and it was the best decision ever. They offer tailored coverage and took the time to explain everything in detail.”
– Michael T
“Farmers Insurance has been with us for years, covering our home, auto, and even our boat. I trust them completely to take care of what matters most.”
– David
“Their team goes above and beyond to answer my questions and provide updates. It’s rare to find such genuine care and professionalism these days.”
– Emma
“Farmers helped me find the right commercial insurance for my startup. Their personalized approach made me feel like I was in good hands.”
– John M
Specialty Insurance FAQs
Still curious? Here are answers to common questions we hear.
Is my boat covered by my homeowners policy?
Typically no — most home insurance excludes watercraft over a certain size or horsepower. You need separate boat insurance for full protection.
What does motorcycle insurance cover?
It covers liability, collisions, theft, vandalism, and often custom equipment or riding gear.
I only use my RV a few times a year — do I still need insurance?
Yes — damage, theft, or liability risks can happen even while it’s parked in storage.
Does specialty insurance cost a lot?
Usually not — especially for seasonal use vehicles. Premiums are often surprisingly affordable for the protection they provide.
Can you help insure multiple specialty vehicles?
Absolutely. We can bundle policies to save you money and keep it all simple under one local agent.
Our Insurance
Services
From your home to your car to your family’s future, we help Texans choose the right protection with fast service and expert guidance.
refer someone & get a $5 gift card!
Whether it’s your home, car, life, business, or the toys that make it all fun, we make getting covered simple.
Contact
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