Specialty Insurance
Unique coverages for unique situations. Rutkousy Agency offers a variety
of specialty policies including Collector/Classic Car, Specialty Car, Special
Event, Builders Risk, Flood, Umbrella and Specialty Dwelling.
Just because something isn’t covered by a typical policy doesn’t mean you can’t protect it. Whether you’re looking to insure a once-in-a-lifetime event or hoping to gain peace of mind about your rental property, specialty coverages are the perfect solution for your life’s unique situation.
Collector/Classic Car
Whether you have a fully restored classic, a hot rod or muscle car, your Collector/Classic Car Policy should be much different than your regular auto policy. Your collector or classic car should not be on the same policy as your daily driver. In the same way your vehicle is completely customized, the attention paid to your Collector/Classic Car Insurance Policy should be the same. Contact Rutkousky Agency to discuss your needs.
Specialty & High Value Cars
Do you have a specialty, exotic or high-performance car in your garage? Much like Collector/Classic Car Coverage, these speciality vehicles of high value need the individual attention of a Specialty Policy.
Special Event
Special events and weddings are becoming more and more expensive and extravagant, often taking months or even years to plan. There may be events or circumstances that are out of your control that directly affect the success of your event or may even prevent it from happening. Our Special Event Specialized Policies will help protect you in the case you need to reschedule or cancel your event. Many vendors are now requiring you to carry your own coverage.
Builders Risk
Protect your construction projects from the first dig of the shovel to walking in the door of the finished project with Builders Risk Insurance. From fires to theft to unforeseen circumstances, there is often a great deal of risk associated with construction projects. Flexible policies can cover only the structure or can also include materials on the job site. Our standard policies provide an extensive list of items that will protect yourself and your site from the most common risks and occurrences.
Flood
Most think Flood Insurance is included in a homeowner’s policy, but that is not the case. And by the time you make that realization, it’s too late. Flood Insurance is available for your personal property or your business. Rutkousky Agency agents will work with you, taking into account whether you live in a flood zone and what exactly is required as part of your policy.
Umbrella
Holding true to its name, Umbrella Insurance acts as an umbrella, protecting you against a range of liabilities. This extra layer of protection is important to protect you, your family, your finances and your way of life in the event your underlying policy is exhausted. Rutkousky Agency employs agents who are well-versed in all available benefits and coverages in Umbrella Policies that are offered.
Specialty Dwelling
It’s very important to know that if you own a rental property or a home that is vacant, traditional homeowners’ policies do not apply. Specialty Dwelling Insurance is necessary in this instance, as traditional policies exclude coverage that are not occupied by the owner.
See below list of Specialty Dwelling Policy Instances or contact an agent with specific questions.
Specialty Dwelling Policy Instances
Please contact an agent for a comprehensive explanation or with any questions.
Specialty Dwelling Policy Instances
Please contact an agent for a comprehensive explanation or with any questions.
Rental Properties
Rental Property Insurance is the only type of policy that will work for a rental property. There are certain coverages that you need as the owner of a non-owner-occupied property that are only provided by a Specialty Dwelling Insurance Policy such as Landlord Furnishings and Exterior Liability Coverage.
Vacant Homes
Vacant homes can present problems making them extremely difficult to insure. Most insurance companies want nothing to do with a property that is vacant. Oftentimes a home for sale that the owners have vacated would need covered on this type of policy. Rutkousky Agency offers Vacant Home Insurance and can help you through the process of insuring properly.
Vacation/Seasonal/Secondary Homes
Rutkousky Agency offers Vacation/Seasonal/Secondary Homes Policies. In many cases, in order to insure this type of property, companies require that you insure your primary residence with them.
Older/Lower Value Homes
If your home is extremely old and/or the market value is considerably lower than the cost to rebuild it, many insurance companies may hesitate to cover it. While older or lower-valued properties present a number of risks, Rutkousky Agency has access to Specialty Dwelling Insurance Policies specifically for these types of homes.
Credit Problems
Some homeowners might not have strong enough credit to qualify for a standard homeowners policy. When this is the case, Specialty Dwelling Insurance is the alternative.
Homes Under Construction
In some situations your renovation, addition or reconstruction project may require a Specialty Dwelling Policy.
Home Insurance
Protect your home and assets with coverages for a variety of living situations. Learn more >>
Auto Insurance
Safeguard yourself and fellow motorists from the unexpected. Learn more >>
Business Insurance
Run your business with confidence knowing you’re protected. Learn more >>
Powersports Insurance
Boats, motorcycles and more. Protect your favorite powersports vehicle. Learn more >>
Life Insurance
Secure your family’s financial future with a policy right for your needs. Learn more >>
Specialty Insurance
Unique coverages for unique situations.
Learn more >>
About Us
Rutkousky Agency is an independent insurance agency providing home, auto, business, power sports, life and specialty insurance to people in Northeast Ohio and Western Pennsylvania since 1962. Rutkousky Agency brings experience, integrity and professionalism to each and every policy, leveraging our key industry relationships and business aptitude to provide great insurance coverage and excellent service.
Contact
4010 Boardman-Canfield Rd Ste 4
Canfield, OH 44406
p 330-533-6004 f 330-533-7033
6006 Mahoning Ave Ste J
Youngstown, OH 44515
p 330-792-4222 f 330-799-0368
Office Hours
| Mon Tue We Thur Fri Sat Sun |
8:30am – 4:30pm 8:30am – 4:30pm 8:30am – 4:30pm 8:30am – 4:30pm 8:30am – 4:30pm Closed Closed |
Sat-Sun by Appointment Only
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