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!
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.
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.