Personal Speciality Coverage Insurance


jaymar insurance speciality

Flood Insurance

Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. Homeowners insurance does not cover floods. Purchasing a flood insurance policy through Jaymar Insurance Agency can protect you.

Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.
Different types of policies are available based on your property’s location and flood history.

Standard Flood Insurance Policies

If you live in a community that participates in the NFIP, your building and its contents can be covered by a standard flood insurance policy. The National Flood Insurance Program (NFIP) was established by the Federal Government to help communities who “voluntarily participate in the NIFP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.

Preferred Risk Flood Insurance Policies

If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren’t required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.

Personal Umbrella Insurance

A Personal Umbrella liability provides coverage over all other liability insurance, such as a person’s homeowners, automobile, boat, etc. The Umbrella limits range from $1,000000 to $10,000000 and extends coverage when the primary liability insurance is exhausted. The Umbrella provides coverage for you, your spouse and any relatives living in your household and insured by your primary policies. Also included is coverage if you are sued for false imprisonment, wrongful eviction, libel, slander, defamation of character or invasion of privacy.

Umbrella coverage is inexpensive in comparison to the limits provided and premiums are based upon exposure (the state in which you live, the number of homes, cars and drivers or boats you maintain).

JayMar Insurance Agency will arrange for your coverage to be customized so that your Personal Umbrella Insurance policy will suit your needs.

*The coverage information outlined herein is a guide only; refer to the actual policies for full terms, conditions, exclusions, and limitations.

Watercraft Insurance

Watercraft Insurance gives you the peace of mind knowing that you are protected legally and financially if your boat is involved in an accident or damaged by fire, theft, vandalism, wind, hail, or other weather related occurrences. A Watercraft policy also protects you and your passengers from medical expenses resulting from an accident in your boat. It is similar to automobile insurance, except your liability, property damage, comprehensive and collision are related to the operation of a watercraft.

Benefits of Watercraft Insurance

    1. Protects you if a boating accident results in costs due to property damage or bodily injury to another person.
    2. Helps pay for costs that you or your passengers incur as a result of an accident in your watercraft. Depending upon the kind of policy you purchase, water skiers who are injured while skiing behind your boat may also be covered.
    3. Protects you against expenses resulting from an accident caused by another boater who is uninsured.
    4. Protects your watercraft (including your motor, trailer, and equipment) against damage caused by specific perils, such as collision, fire, and theft. Additionally, loss due to wind, hail, or other weather related occurrences may also be covered.

Features of a Watercraft Policy

    1. Premiums are based on the size, type, horsepower, and cost of your watercraft.
    2. Discounts for maintaining a good record or owning multiple policies with the same insurer.
    3. Option to reduce your out-of-pocket premium by increasing your deductible.

Elements to Consider

    1. Premiums may increase if you are inexperienced or have a history of accidents.
    2. Coverage is not extended to speedboat racing.
    3. Watercraft insurance protects you while you are operating your boat within the country’s designated waterways, but it does not generally cover you for injury or damage caused on or by a commercial boat.

*The coverage information outlined herein is a guideline only; refer to the actual policies for full terms, conditions, exclusions, and limitations.


Discuss with us, other coverage, riders, endorsements, amendments and credits that can be added to customize your Watercraft Insurance policy.

Motorcycle Insurance

Selecting your motorcycle is a big decision. Protecting your motorcycle is easy.

Whether you’re a weekend warrior, a casual rider, or a hardcore motorcyclist, our motorcycle insurance policy offers protection for you, your bike, and your accessories. Our policy is designed to meet the personal and financial needs of most motorcycle owners.

We offer competitive prices plus convenient payment plans, and we’ll place your coverage with a company that has the financial stability to be there when you need them most. We hope you never have a bad day, but if you do, our motorcycle insurance coverage is designed to help turn a very bad day around.

And no doubt you’ll qualify for some of our discounts that will make your New York motorcycle insurance premiums even lower. We want you to enjoy your ride with the peace of mind that comes from knowing you’re covered.
You may qualify for a number of discounts including:

    1. Insuring more than one motorcycle
    2. Mature riders
    3. Renewals
    4. Credit for qualified safety courses
    5. Multi-policies with our company

Discounts that could significantly lower your insurance premium aren’t the only reason to place your policy with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We’ll help you design a policy to meet your needs as a proud motorcycle owner. We’ll show you what coverage may be available and how to get the personalized protection you need.

Even if you’ve been riding for years, it’s a good idea to take a close look at your motorcycle insurance coverage. Things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle.

You’ve worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Regardless of the type of motorcycle rider you are, we quote motorcycle insurance for every lifestyle. Why not get started today and save with a free motorcycle insurance quote from Jaymar Insurance Agency.