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Homeowners Insurance Policies

At DRickard Insurance we broker insurance or are agents for many great insurance companies.  This provides you with many choices so that you may find the homeowner's or dwelling insurance policy that fits you best.  Some of the companies we work with include, but are not limited to Allstate, Central Cooperative, Foremost, Fulmont Mutual, Madison Mutual, Security Mutual, Sterling, Travelers, United Frontier, Utica National, and more.

Homeowners Policies - Safety Tips  for Homeowners

If you are a homeowner, the deed holder of the house that you take residence in, or have a written contract providing your lifetime use of your residence property, or you are a purchaser under contract living in the property you will become deed holder to, a Homeowners Insurance Policy is the preferable way to protect your interests in the property as well as your possessions and personal liability. 

Your home insurance policy should be designed for your needs and wants.

Why DRickard Insurance?
  1. Savings - With many companies wanting your business available through DRickard Insurance, we have piled up a mountain of savings ideas, discounts, deductibles, and policy options to save you money and win your business.

  2. Choice - We have been serving New York State many years with many insurance companies fighting for your business.

  3. Solutions - Tell us what you would like to have your insurance do for you, including the premium your are shooting for.  Chances are we can help you get there.

  4. The Can Do Attitude - Even when you have been told that it can't be done, you may find the solution with us.

1-4 Family dwellings -

Many insurance agencies can give you insurance if you own a single family home that you are living in.  But if you own a home with one or more apartments you may find it hard to get the right insurance at a reasonable price.  There are insurers who are willing to insure your home even up to four families in a homeowner policy form.  That can save you hundreds.  If you live in a double wide manufactured home we may be able to find an insurer who is willing to give you a homeowner policy, giving you more coverage for what you might agree is a reasonable premium. 607-843-8860 or

     Choices and options: 

  Many people have come to us when their insurers tell them no or that they can't have insurance.  We are happy to work hard for you to find solutions for your insurance needs.  Solutions found have included dog and pool situations.

Condo Owners -

Come to us for the coverage you need.  There are companies that understand and want your business.607-843-8860 or

Vacant Home Insurance -

Depending on your situation we may have clever solutions for you.  If you are purchasing a home that you will be occupying within 60 days of purchase you can often go directly to homeowners insurance policy.  If your renovation will take longer we have a renovation project policy for your consideration.   607-843-8860 or

 Home Based Business NOTE - If you have a home based business including farming, farm animals, daycare, EBay office, or any other business; you will need special endorsements on your policy to be correctly covered. Contact us at 607-843-8860

Yes we do sell Reverse Mortgage Insurance!  Click this link for more details.

Homeowners     Renters     Buyers Under Contract

 Manufactured Homeowners     Manufactured Home Renters

Vacant     Home Business

Discounts     Optional Coverage     Safety Tips     FAQ

Would you like a sampling of our premiums?  Just answer a few questions about your home.  Please call us at 607-843-8860 or contact us via email at DRickard Insurance with all the details you can think of.

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