Specialty Insurance in Utah

Specialty & personal lines insurance covers the property and possessions that fall outside a standard homeowners or auto policy. That includes manufactured & mobile homes, vacant & seasonal or secondary dwellings like mountain cabins, recreational vehicles, motorcycles, RVs, and boats or other watercraft, plus classic & collector cars, flood and earthquake coverage, and scheduled valuables such as jewelry. These risks are underwritten differently from everyday home and auto, so they usually need a dedicated specialty market.

Manufactured and mobile homes, along with cabins that sit empty for stretches of the year, are often declined by standard carriers, yet they're common across Utah, from valley parks to the canyons. Classic and collector cars are best protected on an agreed value basis so a rare or restored vehicle is insured for what it's truly worth, not a depreciated book value. We help match each of these to a carrier that actually wants to write it.

Two perils deserve special attention in Utah: flood and earthquake are typically excluded from standard home policies. With population centers concentrated along the seismically active Wasatch Front, earthquake coverage is worth a serious look, and flood protection matters for homes near rivers, drainages, or in mapped flood zones. Scheduled jewelry and other valuables can also be added so high-value items are covered for their full appraised value with lower or no deductibles.

Placing these coverages well takes access to the right markets. American Modern excels at specialty personal lines and is our go-to for hard-to-place risks, and we also shop Safeco and Liberty Mutual to find strong coverage and competitive pricing. We compare your options and explain the trade-offs so you can choose with confidence.