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Whether you are a collector of fine art or you have a garage full of vintage cars that are the envy of the neighborhood, you likely added them to your homeowners insurance when you purchased them and thought your job was done. After all, in the event of a catastrophic event -- fire, flood, burglary -- you thought your items were fully covered. It is worth delving more deeply into this subject, though, because you might be surprised to learn that your current insurance policy is not providing you with the coverage you thought it was. Riders for Special Items When you insure items that are extraordinary, your regular insurance simply might not provide enough coverage. Its limits could be far less than what the item is worth. Instead, ask your insurance agent about a specialty rider that is geared only toward that specific item or collection of items. Depending on the details, such a rider could cost you a few hundred dollars more for your insurance. The peace of mind you gain by adding such a rider is well worth the extra cost. Reappraise Extraordinary Items Before your fine art or jewelry was insured, you had it appraised to determine its value. Reappraising items such as this at least every two years helps keep your insurance on pace with their value. Most high level possessions continue to climb in value which means they could easily outstrip their levels of insurance coverage if you do not keep tabs on it. Regular appraisals will help ensure that inflation and valuation are kept to current levels in the event of a loss.

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K&K’s Product Liability Program was developed for the sports, leisure and entertainment industry with emphasis on automobile, motorcycle, sports equipment, boat, and trailer manufacturers. The program includes most support industries and other tough product liability classes.

K&K’s ecommerce programs make it easy for agents to quote and purchase commercial general liability coverage online and earn 10% commission! The websites are quick and convenient; try our websites when looking for coverage for martial arts studios, dance schools and more.

Here are some featured markets we thought you might be interested in taking advantage of: Professional Liability, Security Guard/Private Investigator Insurance, Assisted Living Insurance, Product Liability Insurance, Ocean Marine Insurance, Wind Deductible Buy Back Insurance, Tow Truck Program and Builders Risk Insured by Zurich

K&K's Product Liability Program was developed for the sports, leisure and entertainment industry with emphasis on automobile, motorcycle, sports equipment, boat, and trailer manufacturers. The program includes most support industries and other tough product liability classes.

K&K Insurance offers a Product Liability Insurance Program developed for the sports, leisure and entertainment industry with emphasis on automobile, motorcycle, sports equipment, boat, trailer and amusement ride manufacturers. The program includes most support industries and other tough product liability classes.

All Risks' National Specialty Programs Unit offers proprietary programs nationwide. We offer in-house binding authority, multi-line capability and coverage among the broadest available in the insurance industry. All Risks develops and distributes proprietary products targeting specialty niches.