Specialty Insurance

Specialty Insurance

Metheny Insurance Professionals offer many other types of insurance policies, including:

  • Umbrella
  • Excess & Surplus
  • Workers Comp
  • Powersports
  • Inland Marine
  • Surety and Fidelity (Bonds)
  • Long Term Care
  • RV

Personal Inland Marine Policy

An Inland Marine policy allows you to schedule one-of-a-kind or high value items such as Jewelry, Firearms, Fine Arts, Computers, Camera Equipment etc. An Inland Marine policy is typically an all loss, zero deductible policy that stands on it's own. It is advisable to carry a separate Inland Marine Policy on such items to prevent potential claims from negatively impacting your homeowners insurance policy. Appraisals are helpful when scheduling a high value item, however not always necessary. If the item is under 5,000 we can proceed with a detailed description and assigned value. It is very important to schedule high value items because depending on the type of loss and the item, your homeowners insurance personal property coverage may not cover the loss.

Long Term Care

Long Term Care Insurance offers coverage for individuals that can no longer perform daily life functions as a result of a age, illness, disability or general deterioration of health.  Long term care coverage is usually purchased by individuals between the ages of 45-70.   Long Term Care benefits vary significantly by carrier and product.  Our agency offers specialists that can evaluate your long term care needs and recommend a policy to meet your need and budget.