Extra Coverage for Life’s Overlooked Risks

A young boy is sitting in the driver 's seat of a convertible car.
A close up of a car wheel on a wet road.

Umbrella, Flood, Vacant Property & Builders Risk Insurance

Not every risk fits inside a standard policy. That’s why First Insurance Group offers specialized coverage options to protect your assets when traditional insurance falls short. Whether you’re managing a construction project, owning an unoccupied home, preparing for flood zones, or just want added liability peace of mind, we’re here to guide you through the right solutions — without overcomplication.

The Right Coverage for the Gaps You Didn’t See Coming

Specialized Policies We Offer

Umbrella Insurance
 Adds an extra layer of liability coverage above and beyond your home, auto, or rental policy limits.

Flood Insurance
 Protects your property and belongings from rising water — essential in flood-prone areas.

Vacant Property Insurance
 Covers unoccupied homes or buildings from risks like vandalism, fire, and weather damage.

Builders Risk Insurance
 Designed for new construction and renovations, covering materials, tools, and structures during the build.

Short-Term Policies
 Flexible term options for temporary property coverage or short projects.

Custom Add-Ons
 We’ll help you layer specialty coverage into your existing policies where needed — without gaps or overlaps.

FAQ

  • Do I need umbrella insurance?

    We provide coverage for personal cars, trucks, SUVs, motorcycles, and classic cars.

  • Is flood insurance part of my home policy?

    We compare multiple options from trusted providers to ensure you get the best coverage at the best price—without unnecessary extras.

  • Why would I insure a vacant property?

    If you’re 65 or older or have certain qualifying disabilities, you may be eligible. Our experts can help you understand your options and choose the best plan.

  • What does builders risk insurance cover?

    It depends on the provider and network. We’ll help you explore plans that include your preferred doctors and healthcare facilities.

  • Can I cancel flood or vacant property coverage anytime?

    Private health insurance is purchased individually, while employer-provided plans are offered through your workplace. We can help you compare your options to see what fits best.

  • Can these coverages be bundled with existing insurance?

    Often, yes. We’ll work to combine policies or add endorsements for seamless protection.