Our Homeowner policy offers a variety of coverages to accommodate 1 family, 2 family owner-occupied dwellings, seasonal/secondary dwellings, doublewides, and tenant policies. The policy provides coverage for property, liability, and medical payments. Various endorsements may be added at additional premiums.
This program is designed for the exceptional home with above average pride of ownership and maintenance for protected and semi-protected areas with ML-3 coverage at the ML-2 rate. Risk must be insured at 90% replacement Cost and roof on dwelling must be less than 10 years of age. A permanent residence is ineligible for this program if unoccupied for more than 30 consecutive days. Also ineligible if there is an incidental business or farmer comprehensive personal liability (FCPL) exposure on premises.
The Manufactured Homeowner policy is for the insured looking for property, liability and medical payment coverage on their singlewide. To qualify, the manufactured home must be owner occupied. Coverage is also available for personal property/liability for a tenant occupying a manufactured home. Various endorsements providing extra coverage may be added to a policy for an additional premium.
This program is designed specifically for the insured looking for property, liability and medical payment coverage on their doublewide. To qualify, a doublewide must be owner occupied and be occupied year round. Doublewides are written at book value plus value of any improvements.
This policy provides property, liability, medical payments, and equipment breakdown coverage for 1-4 family dwellings. The property must be rented and no business may be conducted on the premises. Properties that are owner occupied may be eligible for a credit. Student housing is not eligible for the Landlord Package Program but may be written under the Commercial Fire/Liability Program.
This policy offers building and/or business personal property coverage, loss of income, general liability, products/completed operations, medical payments and equipment breakdown coverage for mercantile, retail, service, office, apartments (up to 6 units) and churches. There are additional endorsements that may be added to meet your needs.
The farmowner policy is specialized to meet the need of the agricultural industry. Coverages include property, liability, and medical payments. Each farming operation differs in the coverages that may be necessary. With the farmowner’s policy, Broome Co-operative makes it easy to add additional coverage including equipment and machinery coverage, livestock coverage and milk contamination coverage to name a few. For an insured that does farming as a hobby or owns a small personal farm, inquire about our Green Acres Gentlemens’ Farmowner program.
Inland Marine policies can be written as a separate policy or in conjunction with another policy. This policy offers additional coverage for specific items. Fine Arts, Jewelry, collectables, valuables, livestock, equipment and machinery, computers and other personal articles can all be covered under an Inland Marine policy.
This is for Commercial Businesses that do not qualify for our BOP Program. This is a package policy which includes property, liability, medical payments and equipment breakdown coverage. There are various endorsements which may be added for additional premiums.
This is for Commercial Businesses that do not qualify for our BOP or SMP Programs. General Liability may be added with property coverage. There are various endorsements which may be added for additional premiums.
We do not write a stand alone General Liability policy. General liability may be attached to a Commercial Fire Policy.
The Dwelling Fire Program provides property and liability coverage for 1-4 family dwellings that are owner occupied or seasonal which do not qualify for our Homeowner Program; tenant occupied, which do not qualify for our Landlord Program and vacant or unoccupied dwellings. Manufactured Homes which are rented, seasonal, vacant or unoccupied would also qualify for this program. Farm Fire coverage is available for farm personal property and farm structures that do not qualify for the Farmowner program. Liability coverage can be attached to this policy.
Personal Umbrella – We must write the primary Homeowner. The personal umbrella provides individuals and families with high Excess Liability over basic Comprehensive Personal Liability, Auto Liability and other Liability insurance carried with respect to property of a personal/family nature. This program is available through Broome Co-operative and underwritten by Finger Lakes Fire & Casualty.
Farmowner Umbrella – We must write the Farmowner policy. The farmowner umbrella provides farmowners and their families with high Excess Liability Protection over basic Farmers Comprehensive Personal Liability, Auto Liability and other Liability insurance carried with respect to property of a farm/family nature. This program is available through Broome Co-operative and underwritten by Finger Lakes Fire & Casualty.
Commercial Umbrella – We must write the Commercial policy. The commercial umbrella provides Excess General Liability, Automobile Liability and Employers Liability Limits. It also protects the insured from exclusions and gaps in the primary liability policy which serves as the underlying insurance. This program is available through Broome Co-operative and underwritten by Finger Lakes Fire & Casualty.