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Specialty Insurance
Specialty insurance for the everything else in your life.
Specialty insurance covers the passions and possessions that don't fit inside a standard home or auto policy: motorcycles, boats, RVs, valuable collections, event days, and the umbrella liability that layers over all of it. TWFG Insurance places specialty coverage through 300+ carriers, so whatever you ride, sail, host, or collect stays protected.
Coverage Highlights
Specialty coverage we place
If you can ride it, sail it, host it, or collect it, we can cover it.
Motorcycle and ATV
Liability, collision, custom parts, guest-passenger protection, and safety-course discounts.
Boat and Watercraft
Hull damage, trailer, on-water towing, personal effects, and salvage costs.
RV and Travel Trailer
Comprehensive coverage, roadside assistance, vacation liability, and full-timer packages for those who live in their rig year-round.
Umbrella Liability
$1M to $5M+ of extra liability protection stacked over your home, auto, or boat policies. Once your household net worth grows, this is often the smartest premium dollar you can spend.
Valuables and Collectibles
Jewelry, fine art, instruments, wine, watches, sneakers, coins, firearms. Itemized coverage without the low per-item caps that standard home policies impose.
Event and Wedding Insurance
Venue liability, cancellation costs, lost deposits, and vendor no-show protection for the once-in-a-lifetime day.
Renters Insurance
Personal property, liability, and loss-of-use coverage. Often required by landlords, always a good idea.
Why TWFG Insurance
Why clients pick us for the everything else
Specialty items deserve specialists, not afterthought endorsements.
Any-asset flexibility. From motorcycles to fine art, each policy is custom-fit to the exact thing you love.
Bundle and save. Specialty lines stack with home, auto, and umbrella for one streamlined bill and multi-policy discounts.
Worldwide protection. Coverage that follows you and your gear across state lines and international borders.
Fast-track claims. Access to niche repair shops and valuation experts gets specialty items back in action quickly.
300+
Carrier partners in the TWFG network
Local
Agents you know by name
8 Lines
Of coverage under one roof
#1
Personal-lines agency in Texas
FREQUENTLY ASKED QUESTIONS
Specialty insurance FAQ
The questions we hear most about the unusual stuff.
Only up to a low sub-limit, typically $1,500 to $2,500 for jewelry and modest limits for other categories. High-value items should be scheduled on a separate policy or endorsement, itemized with appraisals, for full protection.
If your assets, income, or liability exposure (teen drivers, a pool, a boat, a rental property, a dog) exceed the liability limits on your home and auto policies, then yes. Umbrella premiums are among the lowest cost per dollar of coverage in all of insurance.
Usually not, and where limited coverage exists, it's rarely enough. Each needs its own specialty policy for adequate protection.
Yes. Event and wedding insurance covers venue liability requirements, cancellation costs, and lost deposits for single-day and multi-day events.
