Your life doesn’t look like anyone else's — and neither should your insurance.

From special coverage options to coverage and deductible strategies, your program should be customized to what’s important to you. Let’s design protection that fits today and grows with you tomorrow.

No two households are exactly the same. Neither are two drivers, two homeowners, or two small businesses. Yet, many people buy insurance like it comes off a shelf—grab the basic policy, compare a few prices, and hope it covers what matters.

But that’s where people get burned.

Base policies cover a lot, but they rarely cover everything. That’s why custom coverage is where real protection and real peace of mind come in. Whether you’re insuring your home, your vehicle, or your livelihood, the choices you make about add-ons, endorsements, and policy enhancements can mean the difference between a smooth claim and a financial mess.

At The Ryan Agencies, our Savesmart philosophy isn’t just about lowering costs. It’s about protecting wisely. And that often starts with tailoring your coverage to match your actual risk.

What Custom Coverage Really Means

Every insurance policy has a starting point. But those “standard” coverages are just that…standard. They're built for the average person in an average situation. And if that’s not you? You may be left exposed.

Custom coverage includes things like:

• Endorsements that add new protections
• Scheduled items that raise limits on specific valuables
• Optional coverages that extend convenience and peace of mind
• Auto policy upgrades that keep you moving after an accident

Small changes on paper can have a big impact when something unexpected happens.

Commonly Missed Add-Ons for Auto Insurance

Your car insurance doesn’t just need to pay when you hit someone. It should also help when life throws you a curveball on the road.

Here are smart custom coverages many drivers overlook:

Roadside Assistance

For a few extra dollars per year, you can avoid costly tows, lockout service, or jump-starts. Some policies include fuel delivery or tire changes. The convenience pays for itself in one use.

Rental Reimbursement

After a covered accident, how will you get around while your car is in the shop? Rental reimbursement covers the cost of a loaner car, so you’re not stuck or scrambling.

Vanishing Deductibles

Some insurers offer deductibles that shrink over time as a reward for good driving. If you stay claim-free, you could have your deductible reduced from $500 to $300, $200, or even $100.

OEM Parts Coverage

If your car is newer, you may want to ensure it’s repaired with original manufacturer parts, not generic replacements. That’s not always standard, but with some carriers, it can be added as an option.

Custom Coverage for Homeowners

Your home policy may seem solid, but there are substantial risks that often go uncovered without some assistance.

Savvy homeowners often consider:

• Water Backup Coverage – Sewer or sump pump failure is rarely covered unless added
• Scheduled Personal Property – Jewelry, firearms, collectibles, or art often need special attention
• Service Line Coverage – Underground utility repair costs aren’t typically included
• Extended Replacement Cost – Especially valuable in today’s volatile building market
• Ordinance & Law Coverage – Helps pay for code-compliant upgrades during rebuilds

And here’s the key: these are not "extras." They’re real-life protection based on real-life losses we’ve seen many times.

Real-World Example: The Missing Rental Car

A local driver had full collision coverage but declined rental reimbursement to save $40 a year.

After a fender bender left their SUV in the shop for 19 days, they ended up paying out of pocket for a rental, at $42 per day, totaling almost $800. Worse, they had to put it on a credit card they were trying to pay down.

That $40 “savings”? It came back to bite, and the frustration lingered long after the accident.

The SaveSmart Balance

At The Ryan Agencies, we help clients make smart, practical decisions about what’s worth adding and what might be unnecessary. Customizing your coverage isn’t about buying every bell and whistle. It’s about:

• Understanding how your life or business creates specific risks
• Choosing add-ons that are relevant to your situation
• Making sure your policy responds the way you think it will when things go wrong

A good agent doesn’t just sell coverage. They shape protection around your real-world needs.

Questions Worth Asking

• If I had a claim, would I have the transportation, tools, or resources I’d need to keep going?
• Are my valuables properly listed and insured?
• Is my home protected from water backup, not just fire or theft?
• Have I considered modern risks, like identity theft or cybercrime?
• Have I outgrown my current policy?

Policies don’t evolve on their own. Your protection should keep pace with your life.

Final Thought: Customize to Protect What Makes You Unique

Nobody else lives your life, runs your household, or drives the way you do. That’s why cookie-cutter insurance rarely works when it’s put to the test.

Custom coverage is the difference between hoping you’re covered and knowing you are.

That’s what Insurance Protection You Can Rely On really looks like.



Coming Up Next:

Part 5 – Can Your Company Deliver?
We’ll look at why the reputation, claims process, and financial strength of your insurance carrier matter just as much as the policy, and how to tell if yours is up to the job.

Together, let’s build value…

Call, visit, or see RyanAgency.com for Insurance Protection You Can Rely On.