We serve landlord and income property owners with creative insurance products in the Lake Onterio area including the counties of Oswego, Olcott, Newfane, Sodus, and Pulaski. Wood stoves and fire places are acceptable in some single and double family living situations.
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For the beautiful homes on Lake Ontario we are pleased to help landlords with seasonal or holiday home insurance. For those who occasionally rent their personal residence occasional we have special homeowner policies that allow for this type of supplementary, short term stay rental business use.
Landlords in Oswego appreciate that we offer market value insurance policies rather than demand that they buy full replacement cost insurance. This allows them to protect the profitability of a property while saving serious premium dollars on landlord's insurance and rental house insurance. Higher value home and deluxe apartments landlords appreciate the higher limits of coverage easily available from the many insurance companies we work with.
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In the area we have had a demand for our renovations insurance products. These are carefully crafted policies for persons who buy a property that is in rough shape and maybe even have suffered from a fire in order to renovate it to use for income property or to resell.
Retail plaza owners also enjoy us not requiring replacement cost coverage on their older commercial properties for their retail property insurance. Qualifying properties will enjoy great prices on lower coverage without coinsurance penalties at the time of loss. This can be a complicated strategy, let us explain more by contacting us at 607-843-8860 or insurance@drickardinsurance.com.
Even if a property has had losses we frequently find solutions for the landlord and the property remains insured while the land owner keeps peace of mind. Most northern income property owners like to add weight of ice and snow, freezing pipes, and water backup behind an ice dam on the roof coverage to their policies. Did you know that the basic landlord policy does not include this valuable coverage?
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Everybody seems well please with our customized, you tell us what you want, approach to insuring properties. Since we work with many insurance companies we are able to build almost any policy you can dream up. What can we do for you? Please contact us at 607-843-8860 or insurance@drickardinsurance.com and put us to work for you.
Let us tell you why you should get your income property insurance through DRickard 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 at 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.
We do find insurance for commercial buildings in Ithaca, New York. If this is what you are looking for and you occupy the majority of the building follow this path to find the class of business insurance that fits your needs. If, like so many of our other clients you do not occupy the building you wish to insure call us at 607-843-8860 or look at more specific Commercial Landlord Options.
Yes, we find insurance for the land of snow load. The Syracuse landlords think they get snow, HA! We help you look past the basic, lowest price approach to buying insurance and consider what your unique needs are. For example the Basic and perhaps most often sold landlord insurance policy does not cover the cause of loss of weight of snow or freezing pipes. We do not want our customers to have the rude surprise of unwittingly not having this valuable coverage if the roof collapses or the pipes freeze and burst. Sometimes cheap is not good enough.
Why get your income property insurance from DRickard Insurance?
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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.
You seasonally rented property owners should come to us also. We offer Vacation and Holiday Rental Insurance products. Working with many companies that offer coverage for a wide variety of this type of business makes us your go to agency. One end of the spectrum is the homeowner that will rent his lake property out to those seasonal visitors who will pay good money. The other is the properties that are vacant in the off season and only rented out and occupied part of the year. There are a great many shades in between. The best insurance policies are designed when your insurance people have all of the facts to work with. So, let's talk over your needs. Contact us at 607-843-8860 or insurance@drickardinsurance.com If you live in the home that is used in this way, there is great news for you! We have insurers who will cover your special needs.
Property market values in much of New York State 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.
With the cities of Buffalo, Niagara, Jamestown and others renovating and rejuvenating the down town areas, we have had an opportunity to help with hard to find renovation insurance products. Let our experience benefit you 607-843-8860.
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.
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