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Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.
Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.
When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.
Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.
When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.
Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.
Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.
If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.
Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.
The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.
You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.
Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.
Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing financial value and security. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.
Owning a secondary home has the potential of increasing your liability exposures.
Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.
Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.
Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.
If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.
If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.
Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.
Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.
Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.
Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.
Our Amazing Reviews
Excellent service all the time and very helpful.Dave & Tanya Okerlund
I had a very pleasant experience in getting house insurance from Burn and Burns Insurance Company. Their rates are very reasonable and their service was exceptional. I would definitely recommend them to my friends and family.Betty Pate
Rachel is very professional, knowledgeable, and friendly. We made a number of changes to our policy and Rachel was very patient and resolved all of the issues.Tony Frost
I was referred to Burns & Burns by a friend. I called and Cora Tyler answered. I told her I was looking for cheaper insurance because I was a senior citizen and felt I was paying a lot for car insurance. We went over our coverages and she said she would get back to me in a couple of days. When she called me, I was amazed at what she saved us! We saved $579 a year by changing to Travelers! I really appreciate what Burns & Burns did for us. Thank you very much. They are very courteous people.Glenda
Burns and Burns has covered Griebel Dairy Farm for longer than I can remember. Even with a complex, multi-faceted business such as ours, they make a genuine effort to understand how our business functions and operates. They know that we can't afford to have lag-time or down time due to insurance issues. Our representative makes frequent visits to the farm to keep us up to date on our policy and coverage. We appreciate their continued dedication to us and to our industry.Griebel Dairy Farm
I have my mobile home and auto insurance placed with Burns & Burns Insurance. I cannot say enough good things about Matt, Nicole, and Megan in the Tionesta office. They treat you like family and go above and beyond what any ordinary insurance agent would do. Everyone is so polite and I actually get to visit with my agent in town. They are always eager to help me with more than just insurance and assist me with referrals.Ronald Carlson
We have been clients of Burns and Burns for many years, ever since we got married. They have always handled our auto and homeowner’s insurance. In every instance, they have come through for us in a timely and professional manner. They have answered all of our questions and helped us through every claim. From simple things like hitting a deer or cracking a windshield to more complex issues like major damage to our home because of a waterline break, we know we are in the best of hands when it comes to taking care of any damage or claim. If we call in with an automobile issue, the first question is always 'Is everyone okay?' Caring about their clients puts them above the rest. We are very satisfied customers!Alan and Susie Griebel
Rachel was (and still is) all about acquiring the most accurate insurance plan with the best price for her customer’s every policy. She shopped around for our commercial home improvements company’s insurance plans at renewal time. Rachel discovered our previous carrier had neglected to save us thousands. Yes, thousands!Warner’s Homes and Improvements- Mercer, PA
She’s engaged, conscientious, prompt and an absolute delight to work with.
For 57 years, I had insurance coverage on my vehicles with the same insurance company. When my wife and I received a renewal notice for our current car at that time, the rate for 6 months coverage had increased by approximately 20%. We felt this was unacceptable and then contacted the insurance company. Their answer was that all rates were increasing across the board. After a thorough study and gathering information from several carriers, we decided to take out coverage through Burns & Burns. Jim Campbell and Tamera Fitzsimmons worked closely with us and obtained us better coverage (including umbrella coverage) at a much lower cost. Both Jim and Tamera have been MOST helpful. Any time we have a question they are always readily available and have been very accommodating. They have offered suggestions for our coverage. We greatly appreciate their assistance and good advice. We cannot express our gratitude for these two people and how helpful they are to us and we know we will be able to continue for a long time. Also, the girls who attend the reception desk are always very and warm and friendly when you enter the office. Our compliments to Gene Burns for having such a dedicated staff.Fred and Martha Glosser
Thank you [Rachel] for helping to insure our dream home. Your impeccable professionalism and top-notch customer service are most appreciated.Chris Miller & Alex Simon
I have been a customer of Burns & Burns for 30 years and have always looked to them for insurance care. This year I was approached to review my advantage plan. I am so grateful they took the time to review this with me and show me what the difference in so many plans are. Thank you for helping me understand all of this and especially to save cost of my plan.Ruth Covert
I am happy with the service I got from Jim Rugh. My previous insurer rates were going up yearly with claims at zero and my vehicle getting older and worth less. Jim found me a much better rate with the same deductibles.Gerald Dubrasky
Great working with Jim! Made it easy and quick to get insurance. Very pleasant and personable!Sherrie L Cook
My late husband and I have been with Burns & Burns for many years. Over that time, any questions or problems that arose were always addressed very courteously & efficiently. I, myself, have always been pleased with the service & advice they have provided and would recommend them to others.Jeanne Putnam
Excellent service! I’ve been with Nationwide my whole life. Switched in early 2020. Moved from PA to OH, back to PA, back to Ohio. Rachel Argiro has gone above and beyond. Great job!Matthew Gamble
I needed insurance fast, and not only did it happen fast, but the service was friendly and professional. The agent, Jim, is super competent. He understood exactly what coverage I needed, and he got it for me. A+.Mark Hendrickson
Customer service was excellent. I had a problem with previous company and Jim and Tammy did everything possible to resolve it. The time and patience they gave me was unbelievable. Both of those things are hard to find in today’s world and when you are 72 years old and on a fixed income, they mean more than words can express. Thank you!Anonymous
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