Because the insured coverage can require greater coverage or the insured owns property requiring insurance coverage above the stated amount on policy or there are property not covered under the provided policy, the insurance market issues the designated policies to serve as coverage for requested purpose. Miscellaneous personal lines and catastrophic coverages which consist of personal umbrella and excess liability policies, boat owners policy, yatch policy and personal inland marine floaters policy offer the coverage which fulfills the market needs for excess coverage, boats and yatchs and valuable personal property.

An umbrella policy provides a secondary coverage beyond the primary coverage. This is an excess policy cover which kicks in after the primary policy has been exhausted. The umbrella policy can be used to cover what is not included in the primary policy. For example, since slander is not covered under home policy, the policy can cover suits brought against home owner regarding slander. There is no general standard form for umbrella policy and coverage provided differ from company to company in terms of peril insured. Commercial umbrella excess liability policy provides coverage for excess loss incurred and covers gaps incurred as a result of oversight on traditional policies.

Boat owner policy is the policy used to cover physical damages of the boat and medical payments for the injury of the insured. Liability coverage for a boat is endorsable on homeowner insurance policy under water craft endorsement and a homeowner does not have to purchase boat owner policy unless he/she is interested in including physical and medical expenses as part of coverage. The coverage on boat owner policy include physical damages to the boat, motor and trailer, liability and medical payments. If the boat is chartered, hired out or used to transport people or good, the policy will not cover the boat. Since individuals acquire boat for pressure, the policy will cover damages sustained when racing among friends.

Yatch policy is used to cover pleasure craft, this may not only insure yatch but may include other types of watercraft such as sailboats and ski boats. Yatch policy identifies comprehensive coverage for a boat owner and the coverage consists of hull-coverage, protective and indemnity coverage, medical payments coverage and longshoreman and harbor workers coverage. The protective and indemnity coverage part of the policy is used to cover the injuries of crew members.

Although personal properties are covered under homeowner insurance, the coverage provided is limited by provisions of the policy. Personal inland marine floater policy can be issued as separate policy known as personal article floater to cover the personal property at their replaceable value, or a homeowner can endorse home owner policy through personal property endorsement to cover the personal property at replaceable value.

Selection of the miscellaneous policy is determined by the applicant special needs and can be applied to eliminate the insurance gaps created by oversights on coverage requested.