Bill Burns Agency

Life, Health and Disability Insurance

Too often, you and your family are the most overlooked or undervalued asset you possess.

If you are no longer able to provide for your dependents because of death, life insurance is designed to provide assistance for final expenses and ongoing income after you have passed.

If you are unable to work due to sickness or injury, health insurance is designed to help cover expenses incurred from doctor visits and hospital care. Perhaps your health coverage is provided by your employer but dependant coverage is to expensive, individual health insurance may be able to help fill that gap.

And if your injury or illness is more long-term, disability insurance can help supplement your lost income.

Supplemental

A First Diagnosis Cancer plan can alleviate some of the out of pocket expenses such as health care deductibles upon diagnosis of cancer as well as loss of wage during cancer treatment.

Cancer Treatment Benefit policies can aid with the non-medical or indirect costs that arise over the duration of receiving cancer treatment.

A First Diagnosis Heart Attack policy can aid with some of the initial costs incurred such as health care deductibles and loss of wage upon falling victim to a sudden Heart Attack.

and more....

Whatever you are seeking to insure, whether it be motorcycles, atv's, anique auto's or an Umbrella Policy. Protection for your family by providing life, health and/or disability income or perhaps planning long term health care. It is important to check with your insurance agent for assistance to help you find the protection you need and deserve.

Homeowners and Renters Insurance

Homeowners insurance will protect your property whether it is a home in the country or house in the city. Not only is the structure of your home protected but your contents may be protected as well. Of course, all this is dependent on how much coverage you purchase and whether or not you have any endorsements for coverage protection regarding special or valuable items such as jewelry or collectibles.

Should someone become injured on your property and you are deemed legally obligated to pay money to another person for bodily injury, this is where your homeowners liability will come into play, (Up to the maximum limits of your policy.)

As a renter your landlord's insurance only covers the structure, the renter is responsible for protecting their own assets. Renters insurance provides the coverage needed to protect your valuables as well as offering liability coverage in case someone becomes injured in the apartment or house you rent.

One thing homeowners coverage does not protect against is flooding; special coverage is needed for this peril.

Auto Insurance

Owning an automobile bares great responsibility. That responsibility can be fulfilled by obtaining adequate auto insurance. Not only does auto insurance protect your property it protects the most important accessory in that vehicle...YOU and YOUR PASSENGERS.

Auto insurance is a source for payment of expenses incurred from damages or injuries such as unexpected expenses due to an accident, vandalism or theft. After all, an accident is just that, an unplanned event.

Business Insurance

Without proper protection, owning a small business can be more risky than just failing to make a profit. It could threaten your personal financial well-being.

In our litigious society, the threat of legal action against small business is always present. But there are other risks besides liability. Your business could be shut down because of a loss of business machinery, financial records or office equipment due to a fire, power outage, flooding, weather or any number of other causes. Even a temporary shut down could force you to permanently close your doors if you aren’t appropriately covered for such an event.