You certainly do not want to pay for any more on insurance than is absolutely necessary. Below you will find a list of many common and some uncommon discounts you may qualify for. Not every insurance company offers all of these discounts. Collect all you think you are eligible for and contact us to see what insurer will best fill your needs at 607-843-8860 or insurance@drickardinsurance.com.
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Account Credit
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When you have multiple policies, of different types, with the same insurer, that insurance company will often give discounts. The amount of the discount may depend on how many and what policies you have. Contact us at 607-843-8860 or insurance@drickardinsurance.com.
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Alarm Discount
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Discounted premium include credit for the installation of smoke detectors, fire alarms, burglar alarms, central station alarms, automatic sprinkler systems approved by your insurer on the insured premises. Contact us at 607-843-8860 or insurance@drickardinsurance.com.
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Companion Policy Discount
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Sometimes policies are designed to work closely together when coverage needs to be applied on different policy forms. In those cases you may be eligible for this type of discount. Contact us at 607-843-8860 or insurance@drickardinsurance.com.
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Deadbolt Lock Credit
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Certain safety features that you may add to your home so excite insurance actuaries that they feel the need to give a discount for them. In the case you have deadbolts on all exterior doors you may be qualified to receive this discount. Contact us at 607-843-8860 or insurance@drickardinsurance.com.
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Fire Extinguisher and Smoke Detector Discount
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Certain safety features that you may add to your home so excite insurance actuaries that they feel the need to give a discount for them. In the case you have deadbolts on all exterior doors you may be qualified to receive this discount. Contact us at 607-843-8860 or insurance@drickardinsurance.com.
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Loss Free Credit
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Good risks save your insurance company money. In some cases they pass on to you the savings you have provided the company in the form of a loss free credit. Usually the credit appears in the first renewal and may grow over time. Sometimes an insurer may seem more expensive up front, however, in the long run they may prove to be you most cost effective option over time. Contact us at 607-843-8860 or insurance@drickardinsurance.com.
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High Efficiency Gas Furnace Credits
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The better your heating system the more the savings may be both in you fuel bill and off of your insurance premiums for you home. Contact us at 607-843-8860 or insurance@drickardinsurance.com.
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Masonry Credit
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If your house is made of primarily masonry materials most insurance companies will give you discounted prices on your homeowners insurance policy. Contact us at 607-843-8860 or insurance@drickardinsurance.com.
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Multi-Policy
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In some cases you will have the same type of policy with the same insurer. You may be able to get a discount for that. Contact us at 607-843-8860 or insurance@drickardinsurance.com.
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New Home
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The newer the home the more you save. We have seen discounts last as long as 40 years. Contact us at 607-843-8860 or insurance@drickardinsurance.com.
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Non Smoker Discount
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If no one in your home smokes, and you are willing to sign an agreement to that effect, you may receive up to another 10% off on your policy premium. The amount of savings if any differs by insurance carrier. Contact us at 607-843-8860 or insurance@drickardinsurance.com.
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No Dogs
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If you agree that you will not ever harbor dogs at your insured location at least one insurer agrees that you should get a discount for this. Contact us at 607-843-8860 or insurance@drickardinsurance.com.
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Premises Alarm
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The premium for this policy includes a credit for the installation of a fire alarm, burglar alarm or automatic sprinkler system approved by us on the insured premises. You agree to maintain the system in working order and to notify us promptly when the system becomes inoperative or has been removed. Contact us at 607-843-8860 or insurance@drickardinsurance.com.
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Senior Citizen
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Many insurers provide discounts for Senior Citizens. The age that they will count you as a Senior Citizen varies. A saving is a savings, right? Pile all of them on that you can. Contact us at 607-843-8860 or insurance@drickardinsurance.com.
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New York State
