Your Favorite Insurance People

DRickard Insurance

607-843-8860

insurance@drickardinsurance.com

New York State

DRickard Insurance
"Your Favorite Insurance People"

DRickard Insurance

Your Favorite Insurance People

607-843-8860 insurance@drickardinsurance.com

Start> Personal> Own Home> Commercial Building> Vacant> Owner Occ> Non-Owner Occ>

Own Home

You own your own home, the actual structures you live in. Describe your home to me. Is it a one to four family house built for residential purposes originally?

               Yes – Great, you need homeowner’s insurance so follow this path. Keep in mind though most insurers will not let you insurer your home and your contents in one policy if your home is a 3 or 4 family residence. They require you to buy a renter’s policy for your contents and personal liability and buy a landlord or dwelling fire insurance policy to cover the building. However, you are in great hands with DRickard Insurance because we have homeowner policy solutions for persons living in residential buildings designed for up to 4 residences, saving you money and simplifying your life because you do not need to by multiple policies.

                No – My building is a 5 unit or more apartment building with no other business occupancies. In this case we can help you with the two types of policies you will need. The first is a renter’s insurance policy to protect your personal possessions and liability and a second policy to cover the building(s) and the liability associated with your apartments business.

                No – I own and live in a building that has both residential and commercial space. That is fine, we are happy to help you with your renter’s insurance and an appropriate policy for the commercial nature of the building. This can get complicated, contact us so we may design policies for you that fit your needs or follow the links in this paragraph for more details.

Our “What do I need?” wizard is designed for general guidance only and not a substitute for consultation with a licensed insurance agent or broker at DRickard Insurance. They may be contacted at 607-843-8860 or insurance@drickardinsurance.com. All policies must comply with individual insurer’s underwriting standard to be eligible for their insurance products. Not all terms used are available with all insurers. None of the information is to be considered an offer or description of coverage. All of our web pages are for general guidance only, no information contained is contractual. You must consider your individual policies carefully.