independent insurance agent
Broadest Coverage At The Most Competitive Price
Personal lines insurance is insurance that is offered to individuals and families rather than organizations and businesses. The most common types of personal line insurance are property and casualty insurance, which includes automobile, homeowner and renters insurance. The rates of insurance vary depending on geographic location and the level of risk that individuals have.
Personal Auto Insurance
Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.
The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
Personal Home/Renters Insurance
If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
Life insurance from the Burns Insurance Agency can help you secure your family’s financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.
There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs:
Personal Umbrella Insurance
Some call a personal umbrella policy the back up plan. We think you’ll call it the better plan.
Purchasing an umbrella or personal catastrophe liability policy, can offer you a higher level of financial security. It gives you an extra layer of liability protection over and above your auto and homeowners policies in case you (or a covered family member) are sued because of an accident. An umbrella policy can also be purchased to cover your business insurance needs.
Personal Watercraft Insurance
Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.
Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.
THE BENEFITS OF WORKING WITH AN INDEPENDENT AGENT
An independent agent is a licensed professional with strong customer and community ties who gives you excellent service and competitive prices, because agents can access the insurance coverage from multiple companies.
Assists you when you have a claim and is your consultant, working with you to help explain the different types of insurance and determining your unique needs
Offers you a choice of insurance plans and programs
Is a “value hunter,” who looks after your pocketbook in finding the best combination of price, coverage and service
Offers one-stop shopping for a full range of products, such as home, renters, auto, and business insurance; and can periodically review your coverage to keep it current.
Mon - Fri: 7:30 am to 4:30 pm
Sat & Sun - Closed
INDEPENDENT INSURANCE AGENCY
1453 Helmo Ave. N., Oakdale, MN 55128