Specialty Insurance Coverage

The Chittenden Group offers a variety of specialty coverages. While these are among the most common products, please call us if you have questions about your personal assets or possessions.


Policies that protect valuables are actually among the least expensive forms of insurance but can provide the most reassurance when possessions have a high sentimental, as well as monetary, value. Chittenden helps create an up-to-date, worldwide protection plan for any class of valuables; our clients have collections that include wine, jewelry, fine art, furs, rare coins, golf clubs and stamps, silver, antiques and other collectibles. We also work with highly experienced appraisers; regardless of the kind of valuable, we can recommend an expert in the relevant field to establish the current value of what you own.

Our goal is always to provide superior insurance coverage at a reasonable cost. With risk management, there are ways we can help you create a more secure environment that will not only safeguard your possessions from damage or theft, but reduce your premium costs significantly through insurance credits. For example, there are insurance savings in having superior security services and equipment. Also for buying the right kind of safe and securing it properly, using safety deposit boxes for designated items or installing sensors and mechanical protections for environments that might be harmed by fire or flood, such as a wine cellar. We have the personal experience to recommend both the right insurance and the security measures that should be considered to keep your most valuable possessions safe and the insurance costs down.

One of the most important benefits of a high quality collections policy is its flexibility. We can help you decide whether to schedule items or buy blanket coverage that can provide up to 25% of the total policy for a single item. We work with you to determine how balanced your collection is, whether there are one or more items that are significantly more valuable than the others, or the total value is fairly evenly divided. You have worldwide coverage for portable valuables, such as jewelry, coverage decisions are based on the reality of a client’s life. How often are the items worn? Where are they stored? Which items travel domestically or internationally? If a $100,000 timepiece or an expensive diamond engagement ring is always worn then the insurance recommendation will be different than if it is stored most of the time.

The result will be highly tailored collections coverage that meets each client’s personal goals.

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Boat Insurance

When the days are clear and weather is warm, we know that the first thing on your mind is going out on the water. Your boat allows you to get away from all the stress and pressure of the mainland and kick back by yourself or with good friends. Whether you use your boat to fish, cruise, or race, we know it must be pretty difficult to picture your life without it. We make sure that you enjoy your time on the water without having to worry about what could go wrong. We work hard to help our clients find insurance policies for Connecticut boaters, so you can be certain we will provide you with the best protection available. We understand the differences between power boaters, sailors, and fishermen, and we can tailor a Connecticut Boat insurance policy to meet your needs.

Our watercraft insurance plans can provide you with coverage against many different types of loss. We offer:

Medical Payments Coverage –  We offer medical coverage that can cover your eligible medical expenses if you get hurt when on the water.

Physical Damage Coverage –  This optional coverage is typically designed to take care of your boat, motor, and trailer. Our agents will help you determine the right amount of physical damage coverage for each boat on your policy. You will also need to choose a deductible (the amount you would pay on a claim) before your policy kicks in.

Liability Coverage – If you’re involved in an accident, there’s a good chance another person or another watercraft is involved. And if you’re at fault, you’ll need liability coverage. You can choose a lot of liability coverage or a little – it’s up to you. We’ll show you what coverage and limits may be available, and how to get the maximum personalized protection you need.

Whether you’re a lifelong boater or just getting started on Connecticut Lakes or the Long Island Sound, it’s always a good idea to take a close look at your new or existing watercraft policy. We can help. Simply submit your name and email in the form above or call our office at 800-723-7447.

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. Why not get started today and save with a free boat insurance quote?

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Motorcycle Insurance

Like Boats, most people wouldn’t consider insuring their recreational vehicle, but accidents, vandalism and theft are just as likely to affect your motorcycle, motor home, quad or other RV as a car or home.

Recreational Vehicle Insurance can protect you if you incur medical expenses in your own or someone else’s vehicle and provide liability coverage in the case of damaged property or injured bystanders. You invest a lot in your RV, invest a little bit more for peace of mind. The state of Washington recommends getting RV Insurance.

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Flood Insurance

Flood insurance, you may think, is first and foremost meant for people who live near rivers or creeks, or on the coast. (And, oddly enough, those who live in these areas often believe that they don’t qualify for flood insurance because of the high risk factor.)

Neither is true.

Floods are the most common and costly natural disaster. And contrary to common belief, flooding is not restricted to hurricane-prone areas or large bodies of water, in fact, about 25%of all flood-related claims come from low to moderate risk areas.

A “flood” is defined as a general and temporary condition of partial or complete inundation of normally dry land areas from:

  • The overflow of inland or tidal waters.
  • The unusual and rapid accumulation or runoff of surface waters.
  • Mudflows caused by flooding.
  • Floods can happen in the desert, during snowmelt, in developed areas or anywhere the ground is hard and does not absorb excess water. Erosion or inadequate drainage can also lead to floods or mudslides.

Flooding damages the foundation, structure, walls, floors and furniture of your home and none of this damage is covered by your homeowner’s policy! Federal disaster assistance, which is really a low-interest loan, is only available if the flooded area is declared a natural disaster, and most floods aren’t.

Flood insurance can protect you. It will cover direct physical losses and damage to the building itself, and is intended to get you back on your feet, and into your house, as soon as possible. It covers losses due to flood, flood-related erosion, excessive waters accompanied by a severe storm flash flood, abnormal tidal surge, tsunamis, and mudflows due to flooding.

Flood insurance is available for virtually everyone: homeowners, renters, houses, manufactured homes, condos, apartments, and commercial buildings, even in a floodplain. The only caveats are:

  • The building must be located in a community that participates in the National Flood Insurance Program (NFIP). Almost every community in the United States participates in this program.
  • Flood insurance is catastrophic insurance. That means that there are certain limits to the insurance provided. The maximum available coverage for residential buildings is $250,000 for the structure and $100,000 for the contents of your home, and is available starting at $317 per year.

Don’t wait until it starts raining to buy flood insurance! There is a 30 day waiting period between your application and the effective date of your coverage.

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Renters Insurance

f you are thinking about moving into a new apartment, you might be wondering whether you need renter’s insurance. And the answer is probably… yes. Many landlords now require proof of renter’s insurance before they even let you sign the contract.

But that’s not the only reason why you should have renter’s insurance. Even if you think that you don’t own very much “stuff”, you’ll be surprised how quickly personal property worth $10,000 or $20,000 can accumulate. Washington Renter’s insurance will protect your belongings in case of theft, fire, water damage, or other perils, and will help you replace what you lost.

That’s not all: Renter’s Insurance will not only protect your belongings inside your apartment, but also away from home! Imagine you go for a skiing trip and take your skis off for lunch at the lodge… only to find that they’ve been stolen when you return. If you have renter’s insurance, they would be covered!

Still, insurance coverage for your personal property is only the “icing” on your renter’s insurance.

What’s even more important is the liability protection that your renter’s insurance policy provides: For example, if a friend comes to your apartment, trips over your cat and breaks his arm, the liability coverage that comes with your renter’s insurance will kick in to pay for his injuries.

What’s worse, if you cause damage not only to your own, but also to other units of your apartment complex, you may be held responsible for the damage you have caused to the building and to your neighbor’s personal property. For example, if you – negligently – forgot to turn off the stove before you left for work, causing fire and smoke damage to your apartment and to the units around you, you very well may be getting yourself in debt for life. Renter’s insurance can protect you! Not only does it provide liability coverage, but it will also pay for the cost to defend you in a liability lawsuit.

All that for less than $15 per month!

Since a renter’s policy will trigger a discount on your auto policy if you have both policies with the same insurance company, it often literally pays for itself.

So why do only very few folks get renter’s insurance?

Possibly because they assume that the landlord’s policy will protect them if something happens. Beware! That’s not true! The landlord’s policy will only protect the landlord’s property. The landlord’s policy will not protect your personal property, and it will not protect you in a liability case.
Be smart. Protect your assets. Get renter’s insurance.

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Select Client

Contact PG Lopes to find out if you qualify or for more Information.

Email: pglopes@chittendengroup.com
Phone: 800.723.7447

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Collector/Antique Car


Hagerty Insurance Agency started out as a general lines insurance agency around 40 years ago. While insurance was their business, wooden boats and collector cars were their passion. The company saw a need for specialty insurance and in 1983 launched a revolutionary Agreed Value policy for classic boat owners. It was such a success that in 1991, Hagerty introduced specialty insurance for collector car owners. Today, they’re the world’s leading provider of collector car and boat insurance.

As the world’s leading provider of collector car and boat insurance and passionate collectors themselves, Hagerty is committed to providing products, services, information and resources to support the collecting lifestyle. Hagerty’s low premiums include coverage options that can be customized to each client and collection. Hagerty’s policies include Agreed Value coverage, which guarantees you’re paid the full insured amount in the event of a total covered loss. Should you have a claim, you can select the repair shop of your choice and enjoy the services of Hagerty’s unequalled in-house claims specialists. Car collectors will enjoy Hagerty’s convenient roadside assistance and a range of additional collector resources provided through Hagerty Plus.

Hagerty Collector Car Insurance

As collectors, Hagerty knows firsthand what car and boat enthusiasts want in an insurance company and what they need to protect their investment. That’s why Hagerty provides some very desirable benefits, including low premiums, Agreed Value coverage, relaxed restrictions on how collector cars and boats can be used, in-house claims, 24/7 flatbed towing and roadside assistance.

  1. Low premiums – Hagerty provides coverage geared specifically to the car collector at rates considerably lower than standard policy premiums.
  2. Agreed Value Coverage – Hagerty offers an “Agreed Value” determined between you and the company when you insure your vehicle. If you suffer a covered total loss, you get the full value of your policy.
  3. Repair shop of choice – When a claim requires repairs, you can take your vehicle to any shop you want—anywhere. Or if you choose, Hagerty will pay you to make the repairs yourself
  4. In-house claims specialists – Hagerty’s collector car claims specialists are on-staff to help you in the fastest most efficient way possible.
  5. Hagerty Plus – Policyholders can join Hagerty Plus, a membership program including emergency roadside assistance, free subscription to Hagerty’s Magazine, “Ask Hagerty” concierge service, legislative advocacy and participation in the Collectors Foundation.
  6. Additional Coverage – Hagerty understands that the investment you’ve made in time, money and maintenance of your vehicle is only part of your commitment to collecting. So Hagerty offers customized coverage options for your spare parts, tools and automobilia.

What Qualifies

Hagerty offers insurance for hundreds of thousands of collector vehicles used for limited pleasure driving, car shows and club events. We offer full coverage for a huge variety of classic, stock, and safely modified vehicles, including:

  • Antique & Classic Vehicles
  • Newer Vehicles: Limited Production, Exotic & Special Interest
  • Modified Vehicles: Street Rods, Replicas, Lowriders & Tuners
  • Trucks & Other Utility Vehicles
  • Motorcycles & Scooters
  • Retired Commercial Vehicles: Fire Trucks, Military Vehicles, Tractors & Other Commercial Vehicles
  • Motorsports: Pro-street & Any Raced Vehicles
  • Trailers
  • Vehicles Under Restoration

How Hagerty Collector Car Insurance is Different

Hagerty has a passion for cars and does more to protect, inform and promote the collector lifestyle than anyone else in the specialty insurance industry. Hagerty specializes in low cost coverage and services that can be customized to meet the needs of every collector and collection. Hagerty is committed to exceptional client service – evidenced by a 98 percent claims client satisfaction rating.

motor boat

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