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FINGER LAKES FIRE & CASUALTY
6905 Route 227
P.O. Box 550
Trumansburg, New York 14886


607.387.6800
607.387.9314 (fax)
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Personal Lines - Specialty Products


These products would provide excellent pricing for the "better than average" home, manufactured home or Bed and Breakfast Homeowner operation. We also offer excellent pricing in Inland Marine- Stand Alone Policies!

BED & BREAKFAST HOMEOWNERS

Finger Lakes is proud to offer a program to provide coverage for the family owned and operated "Bed & Breakfast" operation. This program is built with a homeowners policy as the base, with other required coverages endorsed. This is a convenient and economical insurance package for the well-run popular B & B's!


MANUFACTURED HOUSING

Finger Lakes Fire & Casualty offers many coverage options for all types of manufactured homes. Our policies are modeled after our standard homeowner program and offer all of the optional coverages found there. Tenant policies available and we also include Identify Theft Services on all personal policies.


BLUE CHIP HOMEOWNERS

Designed for your better than average home risk. Criteria for placing this risk would include newer homes, under 30 yrs of age OR an older home where ALL updates have been completed within the last 30 years( plumbing, heating, electrical and roofing) and NO losses in the last 5 years to qualify. Minimum deductible is $500. 20% of basic premium and 5% credit for off for mature homeowner age 55 and retired.

Identity Theft support services are included on all Farmowner policies at no charge.


BLUE CHIP MANUFACTURED HOUSING

For newer manufactured homes, under 10 yrs old, in Protected or Semi-Protected areas, must be skirted, no losses within 5 years. Minimum coverage A starts at $20,000 and must be written as ML-2 or ML-3. 20% off basic premium and 5% discount offered for mature homeowners age 55 and older and also retired.


INLAND MARINE - STAND-ALONE

Since 1994- we have offered the additional choice of an inland marine stand alone policy. Exception to this would be Satellite Antenna's. The minimum premium is $100. Some examples we can cover would be: livestock, contractors equipment, hand tools, watercraft, logging equipment, farm equipment and jewelry.


EQUIPMENT BREAKDOWN COVERAGE

Most homeowners policies don't cover the cost of repairing or replacing essential equipment in your home when it breaks down. Extended warranties? They're often too expensive, hard to manage and usually cover just one piece of equipment. But Homeowners Equipment Breakdown Insurance offers a simple, comprehensive and affordable solution that covers what most homeowners policies exclude.

Click on the link below to watch a quick video about Potential Risks, Loss Scenarios, Loss Prevention Tips.


LANDLORD EQUIPMENT BREAKDOWN COVERAGE


UNDERGROUND UTILITY COVERAGE

Homeowners' policies do not cover Underground Utility Incidents. But Homeowners Underground Utility Coverage insurance offers an affordable solution that does coverage what Homeowner's policies exclude. Click on the link below to read more…

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