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Serving The Greater Elmira Area and all of Chemung County

We serve the landlord and income property owners in the Greater Elmira Area of the Southern Tier of New York State with a wide variety of insurance solutions for landlords: Landlord Insurance, Income Property Insurance, and Home Owner's Insurance.

The products we offer include Landlord Insurance policies, Commercial Insurance Policies, Apartment Building and Apartment Complex insurance packages, Retail Plaza Insurance, Mixed Occupancy Insurance and more. PLUS, we do have home insurance products ranging from the hard to insure to ultra preferred.

If your building is occupied by tenants we want a chance to find the insurance for it. See our more expansive list below.

• 1-4 Family Structures Insurance
• Apartment Buildings Insurance
• Apartment Complexes Insurance
• Buyer/Seller Under Contract
• Commercial Insurance
• Distressed Properties Insurance
• Landlord Insurance
• Lessor's Risk Insurance
• Mixed Occupancies Insurance
• Occasionally Rented Property Insurance
• Purchaser/Seller Under Contract
• Property with losses Insurance
• Renovation Projects Insurance
• Retail Property Insurance
• Retail Plaza Insurance
• Single Family Rental Insurance
• Short Term Rentals Insurance
• Student Housing Insurance
• Under Contract
• Vacation Rentals Insurance

You didn't find what you are looking for? No worries, there are so many things we do find insurance for that we cannot list them all here. Whatever you are looking for please contact us, insurance@drickardinsurance.com or 607-843-8860, so you may be provided with specific information to help you with this need. Please keep in mind we do not provide cookie cutter pricing. We will ask you specific questions about you, the ownership, configuration, loss history, current as well as prior insurance and size of the property. While having a declaration page from the most recent insurance policy is helpful, it is not needed. The savings may be considerable. Come to us for many types of tenant occupied properties insurance.

Find value in the wide field of insurance coverage options and discounts we can find for landlords of most sizes. We are game to work on anything from a one family rental to an apartment complex with 100+. Our appetite for occupancies include the student housing insurance needs you landlords who are housing the students of Elmira College or the students of the other satellite campuses. A hint, graduate student housing is sometimes cheaper and more generally acceptable than general student housing. Freshmen housing is harder to find.

Do you own one or more of the buildings that have both businesses and apartments? Do you want to be able to name your own coverage amounts? Then call us up and let's build a policy together.

Many times the landlords we work with in the down town area have purchased their properties for a very low market value. Many insurers want the buildings insured for a much higher amount than the amount you have invested. However, we work with insurance companies that are generally willing to insure buildings for the current market value. So, you have more flexibility in finding an insurance solution that fits your business strategy. It is time to take back your business plan. Contact us at 607-843-8860 or insurance@drickardinsurance.com.

We have many insurance option and discounts for landlords of almost any type. Take as an example liability insurance. Many landlords have $300,000 or less coverage for landlord liability coverage on 1 to 4 family homes. We notice that the majority of landlords like our $1,000,000 solution since they may only pay an additional $60 - $100 over their current premium.

There have been a great deal of property transactions that involve prepossessions, and buyers or purchasers and sellers under contract. We have many insurers that understand this situation and write policies that address specific issues that arise. Once again we are offering an insurance solution not easily found.

Property market values in much of the Chemung County area are well below construction or replacement cost. Even the insurance industry's estimate for Actual Cash Value is often twice the market value. What do you do when you want to insure a property for only the amount you have invested in it? Wouldn't it be nice to name your own amount of coverage? That is why you work with us, because we find companies willing to work with you. Contact us at 607-843-8860 or insurance@drickardinsurance.com.

We have insurers who have surprisingly good pricing for the Elmira City area while still offering a variety of attractive coverage options and savings ideas. For choice and service from an agency with statewide strength and local insights contact us at 607-843-8860 or insurance@drickardinsurance.com today.

With Elmira, Horseheads, Big Flats, Pine City and others renovating and rejuvenating the down town areas we have had an opportunity to help with hard to find renovation insurance products.

For more information and to find out if your tenant occupied property qualifies for the insurance policies we have found please contact us at insurance@drickardinsurance.com or 607-843-8860.

Click Here for a form to send us basic information for an insurance premium indication.