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If you have had losses or need work done at one of your properties you may find it difficult to get insurance at all, not to mention also getting a fair price to cover your important insurance needs. More and more, if you have any commercial exposure with your habitational structure, insurers are refusing to offer coverage at favorable terms. You might well be surprised what type of pricing we can find you.

If you are undertaking a new construction project you would best be served by purchasing a Builder's Risk policy before construction begins, otherwise insurance may be purchased under a more limited coverage policy. 607-843-8860 insurance@drickardinsurance.com

There are so many different types of income and hard to insure properties that we find insurance for that we cannot list them all on our site. If you want to work with an agency that takes writing income, business, vacant, rough, and hard to insure property seriously, you have found the right place. Communicate with us your concerns and insurance wishes, you may be pleasantly surprised what we can do for you. 607-843-8860 insurance@drickardinsurance.com

VACANT PROPERTY INSURANCE

For what ever reason your property is vacant and you need insurance. We understand that the property may be vacant, and for most of these cases, we do find insurance solutions. Vacancy Insurance may be provide in more than the following situations:

• Death - property held in an estate, you need to protect the estate from liability as well as the estate's asset.
• Inheritance - You do not know what you are going to do with the property, now the liability is on you personally if someone is hurt there, and wouldn't you like to protect the value of your inheritance. Find vacant property insurance whilst in the name of an estate.
• For Sale - The property is actively on the market, people are coming through creating liability concerns. Maybe you are buying property with the ideas of selling it right away, to flip, we may still find you an insurance solution. Wouldn't you also like the market value of the building covered? Please call us at 607-843-8860.
• Renovation - The property needs renovation but you will not be able to get right to work on it. While it stands vacant you still have premises liability issues, even for unwanted visitors. There is a need to protect the value of the investment against loss. However if your renovation is not delayed, we have renovation insurance programs to offer you.
• Between Tenants - Putting the wrong tenant in your building can create a nightmare for you. While you wisely waiting for the ideal occupant there is the need to protect the value of your property and your portfolio from the damage a liability loss could do. So yes, we have solutions for your temporarily vacant properties.
• Indefinitely Vacant - You're holding a property until you find the right move to make with it. Even if it were open land there would be liability concerns. That being true, you have a greater need for insurance when vacant property has buildings on it. Protect your assets by getting vacant property insurance.
• Land - Vacant land seems very hard to find insurance for. The reason is that there is nothing there to insure, no buildings to cover. One solution includes putting a small building on the land so that insurers have something to sink their teeth into. A second option is to extend liability insurance from another policy to the vacant land. Not every company is willing to do this. We will gladly assist you to do this using one an insurance policy that we may arrange for you. Since this may get complicated and insurers may need to be negotiated with to deliver this solution we suggest you contact us now to help you. 607-843-8860 insurance@drickardinsurance.com
• Manufactured Homes - Do you have a vacant manufactured home that is vacant that needs insurance protection? Contact us. We work hard at being the solutions insurance agency. Single wide, double wide, and modular vacant home insurance solutions are found here. 607-843-8860 insurance@drickardinsurance.com Have you run into problems because of the age of the home? Call us.
• Commercial Vacant - We can handle many types of vacant commercial property insurance situations. Commercial renovations, new construction projects, indefinite vacancy, for sale, and probably some we haven't thought of. Call us, we are happy if you challenge us with something interesting.607-843-8860 insurance@drickardinsurance.com

RENOVATIONS

Properties in need of a great deal of renovation find solutions with us. Want more information? Look at our Renovation Projects Insurance Page, call 607-843-8860 or email us. We build many convertible builders risk and renovation project insurance policies every year.

OTHER

Is there some other reason your property is hard to insure? Most of the time when someone contacts us about something they are having a hard time insuring we are surprised. Why?Because most of the time the solution is easily and timely worked out with the many insurers we cooperate with. Call us up so we may help you find a solution. 607-843-8860 insurance@drickardinsurance.com

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.

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