The Burns Agency

The Burns Agency
Insurance Services Since 1919

29 West Park Row, PO Box 363
Clinton, NY 13323-0363
Phone: 315-853-5052
Email: insure@burnsagency.com

N.K. Burns & Sons, Inc.

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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.