We serve landlord and income property owners in Western New York State including the Greater Buffalo, Jamestown, Niagara Falls Areas. This includes Allegany County, Cattaraugus County, Chautauqua County, Erie County, Wyoming County, Genesee County, Orleans County, and Niagara County.
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Many people we talk with for the first time in your area have the basic policies in order to save money. Please let us show you how little it will be to add coverage for concerns that are a greater risk in your area while giving you more value for your premium dollars. Things not covered in the most basic policies include the weight of ice and snow, freezing pipes, water back up and damage, tree falling, theft of your copper out of your building, vandalism, and personal injury liability.
Surprise is the reaction from landlords and property managers when they find out that banks not require these things to be covered in the policies they accept. Because of this many income property owners of multi-family building are not aware that they do not have this coverage.
| Are you a renter or tenant looking to protect your property and liability? Click here for more help. |
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.
| Need Help figuring our what type of property insurance you need? Answer up to seven question in online and find a solution. Click here. |
Why get your income property insurance from DRickard Insurance?
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We do find insurance for commercial buildings in Buffalo, 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.
| 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 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 Western 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. Reach out to 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.
For more information and to find out if your tenant occupied property qualifies for the insurance policies we have found please contact us insurance@drickardinsurance.com or 607-843-8860.
Click Here for a form to send us basic information for an insurance premium indication.