Services

Fire Extended Coverage (FEC)

Download Product Guide Here

Some dwellings aren’t eligible for our Homeowners, Mobile Homeowners, or Farmowners due to specific liability exposures or occupancy type. But don’t worry—that doesn’t mean we can’t help! These risks might be a perfect fit for our Fire Extended Coverage Program.

Agents choose us when their clients need Fire Extended Coverage to safeguard their property. Our policy provides essential protection tailored to meet the unique needs of each insured, all at a price that fits their budget.

Key Features & Benefits

• Ability to offer:

o Comprehensive Personal Liability (CPL).

o Farm Comprehensive Personal Liability (Farm CPL).

o Owners, Landlords, and Tenants Liability Coverage (OLT).

o Farm Owners, Landlords, and Tenants Liability Coverage (Farm OLT).

• Ability to consider risks with inground oil tanks, woodstoves, and asbestos siding.

• Ability to consider risks with swimming pools and incidental boat docks or slips.

• Outside inspections not typically required (Agent provided photos usually acceptable).

• Available occupancies include owner, non-owner, landlord, and vacant.

Coverage Highlights

• Special Cause of Loss Form available.

• Replacement Cost (RC) or Actual Cash Value (ACV) available.

• Ability to consider property coverage on a stand-alone basis without liability.

• CPL, OLT, Farm OLT, Farm CPL up to $1,000,000.

• Property Values up to $2,000,000 TIV (ability to consider higher limits as well).

• Deductibles from $500 to $2,500 with higher deductibles available upon request.

How are we different?

• We offer flexible underwriting even for risks with prior losses, new purchases, unique features, or higher insured values.
• Our expertise allows us to consider risks with unique features including underground oil tanks and woodstoves.

Interested in a Callicoon Coop FEC Quote?
Reach out to one of our appointed independent insurance agency partners, call us at (845) 482-5522 or email [email protected].

Agents Trust Us to Offer Protection to our Clients for their Personal and Business Insurance Needs.
Since 1878, Callicoon Cooperative has been the trusted choice for insurance agents seeking flexible underwriting and tailored coverage for their clients. Whether it’s homeowners’ insurance, coverage for buildings under renovation, or Business Owners Policies (BOP), we provide comprehensive solutions to meet a wide range of insurance needs. Consistently ‘A’ rated by AM Best, Callicoon Coop offers comprehensive insurance protection supported by superior financial stability.