April 27, 2012
We are happy to provide you with information to help make the right choice. Please select from the options below and an insurance professional will be with you shortly.
Our Products
Instant Auto Insurance Pricing with a few of our companies.
Do you need auto, homeowners or business insurance? We take the time to listen to your needs, and find the right policy for you. Your protection is our number one priority. We have built a reputation for client satisfaction, and we are devoted to making your move to our agency as easy as possible.
We are able to offer you the best coverage at the most competitive price because we represent a carefully selected
but diverse group of financially sound, reputable insurance companies.
You will have the added benefit of working with licensed agents who understand insurance policies and your needs. We will assist you by explaining the complexities of insurance contracts so that you can make informed decisions about your coverage limits and options.
We look forward to hearing from you.
Request a Homeowner Insurance Quote.
Homeowners insurance includes homeowners, renters, condo owners and mobile homeowners.
The biggest asset for most people is their home. Lose that, and you will likely lose a big part, if not most, of your net worth. Even if you don’t own, but rent, you can still easily lose all your belongings in a sudden fire. That’s where homeowners insurance comes into play.
Homeowners insurance will not only cover a home structure, it will cover the contents as well. Of course, all of this depends on how much coverage you purchase and whether you have any add-ons, known as endorsements, attached to your policy.
Homeowners insurance also covers you for liability should someone be accidentally injured by you, your children or pets while on or off your premises. Coverage for damage to property of others is also included in the liability section of homeowners insurance policies.
Homeowners will also cover damage to some of your possessions that are not located at your home. This includes damaged luggage on a trip or property stolen from your car.
Homeowners insurance is divided into several types of coverage:
- Dwelling coverage is provided for your home.
- Other Structures coverage is included automatically at a limit usually equal to 10% of the dwelling limit on your policy. Additional coverage can be purchased if a higher limit is needed.
- Personal Property is included at a limit typically equal to 70% of the dwelling limit. It may be 50% if you do not opt for replacement cost coverage. Renters will choose a limit sufficient to cover their belongings. This limit can be increased if desired.
- Additional Living Expense covers the extra expenses you might incur if your home should become uninhabitable due to a covered loss. This coverage is generally provided at a limit equal to 20% of the dwelling coverage – or 20% of the personal property limit on a renters policy.
- Personal Liability covers you for claims of injury to, or damage to the property of, others.
- Additional coverage endorsements for boats, collectibles, in-home businesses and more are available.
Working hard and being a business owner go hand in hand — you invest your time, money, and effort toward keeping your property maintained, encouraging safety among your employees and providing your customers with quality goods and services. That’s why it’s so important to protect your business.
There are numerous policies designed to protect business owners, the options available vary based upon the type of business you run.
Property & Liability options include:
- Business Owners - usually more broad in terms of coverage than options below
- Commercial Package - may not include as many coverages as Business Owners
- Special Multi-Peril- more limited in scope of coverage than above options
- Commercial Fire & Liability - most limited form of property/liability coverage
The main components of these property & liability packages are typically:
- Building & Business Personal Property-covers your building (including foundations) and business personal property.
- Business Income Coverage-reimburses you for loss of income due to a covered loss.
- General Liability Coverage-covers you against claims resulting from your business operations, including associated defense costs.
Other lines of coverage include:
- Workers Compensation - on the job – medical expenses & % of lost wages
- Disability - off the job – % of lost wages only
- Commercial Automobile - business use automobiles
- Inland Marine - scheduled equipment or special personal property
- Commercial Umbrella - excess liability coverage
- Professional Liability - errors & omissions coverage for your line of work
- Directors & Officers Liability- for non-profit and for-profit operations
- Employment Practices Liability - discrimination & harassment coverages
We are here to answer any questions you may have, anytime you need us. Click here to access our online Quotes and forms.
Didn’t find what you need yet? Click here to go to our website and view our other products.
Visit our blog and fan page to see what changes we have recently made! contact The Burns Agency for a Quote today! If you have any questions please call us at 315-853-5052, we’ll be happy to help!
Some individuals, particularly wealthier ones, have a higher than normal loss exposure to lawsuits. This tendency is often referred to as a suability factor. How suable you are can be determined by examining the following:
In today’s market, where affordable personal auto insurance seems less and less available, you may wonder if there’s any way to control rising premiums.
If you would like to participate in Happy Customer 
Do you handle Personally Identifiable Information of your customers/clients/employees? If so, this is very important information for your business or your employer. It is also important for you, as a consumer, to think about what is happening to your information as businesses use it.
