Insurance Products
Homeowner’s insurance will provide protection against physical damage to your home, related structures, contents and other expenses on a replacement cost or actual cash value basis.
Farmowner’s insurance will provide protection against physical damage to your home, related structures, contents and other expenses on a replacement cost or actual cash value basis.
It can also provide coverage for farm outbuildings, farm equipment and livestock.
Farm landlord insurance is available for farm dwellings and outbuildings that are rented to others.
Rental dwelling insurance provides protection to landlords who own and rent out dwellings.
It covers the dwelling, additional structures and loss of rents.
Coverage for the tenant’s personal possessions is not included in this type of policy.
Contents insurance provides protection for the personal property for those who are renters.
Condominium insurance provides coverage for condos that are owner occupied or rented to others.
Inland marine coverage is additional coverage that can be added to your policy for unique or special items such as jewelry, furs, guns and other collectibles. Recent appraisals of items to be insured may be required.
We also offer coverage for recreational vehicles, golf carts and small boats.
We also offer liability coverage on all types of insurance.
Liability insurance provides coverage for bodily injury and property damage sustained by others for which you or your family members are legally responsible.
Liability insurance can be combined with any type of policy listed above and is provided by Rockford Mutual Insurance through Dunham & Chemung.
Dunham & Chemung cannot provide coverage for the following circumstances:
- Persons who own or care for the following types of animals:
- Breeds of dogs known to exhibit vicious tendencies including, but not limited to, Akitas, American Stafford Terriers (Pit Bulls), Chows, Doberman Pinschers, Filas, German Shepherds, Presa Canarios, Rottweilers, and Wolf/Dog hybrids. This includes dogs that consist of a mixed breed and are linked to any of the above breeds;
- Exotic or non-domesticated animals including, but not limited to, boa constrictors, iguanas, monkeys, poisonous snakes, tigers, and wolves;
- Vicious animals or animals with a prior bite or injury history; or
- Dogs trained as guard or attack dogs.
- Unoccupied or vacant dwellings.
- Properties with a trampoline unless the surrounding area is completely enclosed by a fence of at least 4 feet in height and the trampoline is well supervised when in use.
- Properties with ramps or jumps for skateboards, rollerblades, or bicycles.
- Properties with home day care operations of more than 3 children
- Properties involved with the boarding, breeding, or training of horses.
- Properties involved with the boarding, breeding, raising, or selling of dogs.
Restrictions that may affect coverage eligibility:
- Properties with a swimming pool unless the pool is completely enclosed by a fence of at least 4 feet in height and locked when the facilities are not in use. (For above ground pools, the combined height of the pool wall and fence must be at least 4 feet.)
- Properties with a swimming pool that includes a diving board or a slide.