8282 W Cactus Rd e146, Peoria, AZ 85381

Specialty & Miscellaneous Insurance

Standard homeowners or commercial policies are great for everyday protection, but they don't cover everything. From sudden environmental disasters to the unique needs of your home and family, unexpected coverage gaps can leave you exposed. Simtrust Insurance offers specialized, miscellaneous policies designed to pick up where your primary insurance leaves off—ensuring total peace of mind.

Popular Specialty Coverages We Offer

We provide a wide array of niche policies to safeguard your unique assets, hobbies, and family members.

Flood Insurance

Standard home and business insurance never covers rising surface water. Our flood policies protect your building's structure and your personal belongings from heavy rains, storm surges, and overflowing waterways.

Pet Health Insurance

Don't let a medical emergency force you to choose between your savings and your pet. Pet insurance covers veterinary bills, surgeries, cancer treatments, and medications for accidents and illnesses.

Pool & Umbrella Liability

Adding a pool increases your home's value—and your liability risk. We offer specialized umbrella policies to provide an extra layer of liability protection in case of backyard swimming accidents.

Valuable Items & Scheduled Property

Standard policies place strict limits on luxury goods. We offer specialty riders to fully insure high-value items like engagement rings, fine art, collectibles, and high-end electronics.

Specialty Insurance in Action: Protecting the Unexpected

A gap in coverage can turn a minor incident into a major financial crisis. Here is how Simtrust’s specialty policies protect you when life happens:

The Flash Flood:

A sudden Arizona monsoon causes a flash flood that seeps into your living room. Because you secured a Flood Policy through Simtrust, your flooring, furniture, and drywall repairs are fully covered.

The Backyard Barbecue:

A neighbor's child slips and injures themselves on your pool deck. Your Pool Liability/Umbrella Policy kicks in to cover the medical expenses and legal fees that exceed your basic homeowners limit.

The Sick Pup:

Your dog swallows a foreign object, requiring emergency surgery. Your Pet Insurance policy reimburses up to 90% of the vet bill, saving you thousands in out-of-pocket costs.

Why Choose Simtrust Insurance Group?

We Eliminate the Blind Spots: Most people don't realize they have a coverage gap until it’s too late. Our expert agents perform a comprehensive risk assessment to identify exactly what your standard policy misses.

Access to Niche Markets: Because we are an independent agency, we have direct access to specialized, top-rated carriers that corporate "captive" agencies simply can't offer.

One-Stop Insurance Shop: No need to manage five different apps and premium bills. We can bundle your home, auto, business, and specialty coverages together under the trusted Simtrust umbrella.