February 17, 2025
millerinsDo I need to insure my offroad vehicles?
Yes, it’s generally a good idea to insure your off-road vehicles, though it may not be legally required everywhere. The type of insurance you need depends on a few factors: Legal requirements: In some areas, you may be required to have at least liability insurance for off-road vehicles (like dirt bikes or ATVs), especially if […]
February 10, 2025
millerinsDoes homeowners insurance take into account the maintenance and condition of my home?
Yes, homeowners insurance generally considers the maintenance and condition of your home, though it may not directly impact the premium in the way you might expect. However, poor maintenance can affect your coverage in several ways: Claims Denial: If damage to your home is due to lack of maintenance or neglect, your insurance company might […]
February 4, 2025
millerinsIs there such a thing as “full coverage” when it comes to insurance?
“Full coverage” in insurance is a commonly used term, but it can be a bit misleading because it doesn’t mean complete protection against all possible risks. What “full coverage” usually refers to in the context of car insurance is a combination of the following types of coverage: Liability Insurance (required in most states): Covers damages […]
January 28, 2025
millerinsWhy are insurance companies focused on trees overhanging your house?
Insurance companies are concerned about trees overhanging your house because of the potential risks they pose. If a tree is too close to your home, it could cause damage in various ways. For example: Falling branches or trees: During storms or high winds, large branches or even the entire tree could fall, damaging your roof, […]
January 15, 2025
millerinsThe Importance of maintaining your roof
Maintaining your roof is essential for several reasons, as it plays a crucial role in protecting your home and ensuring its longevity. Here are some of the key reasons why roof maintenance is so important: 1. Protection from the Elements Your roof is the primary barrier against the weather, including rain, snow, hail, and extreme […]
December 23, 2024
millerinsWhat to do before a wildfire approaches your house?
Before a wildfire approaches your house, it is crucial to take steps to reduce the risk of damage and ensure your safety. Here’s a list of important actions to take: 1. Create a Defensible Space Around Your Home Clear vegetation: Trim trees, bushes, and shrubs that are close to your house. Remove dead plants, leaves, […]
December 18, 2024
millerinsIs my home based business covered by my homeowners insurance?
Whether your home business is covered by your homeowners insurance depends on the specific details of your policy and the nature of your business. Typically, standard homeowners insurance policies offer limited coverage for home businesses. Here are some key factors to consider: 1. Standard Homeowners Insurance Coverage Personal Property: Homeowners insurance may cover personal property […]
December 2, 2024
millerinsWhat does my driving say about me in regards to insurance?
Your driving habits can significantly influence how insurance companies assess your risk level, which in turn affects your premium. Insurance companies use various factors to determine how much of a risk you present as a driver, and these factors help them set your rates. Here’s how your driving behavior might be interpreted: 1. Driving Record […]
December 2, 2024
millerinsThe importance of maintaining your home for insurance purposes
Maintaining your home is crucial not only for ensuring a safe and comfortable living environment but also for preserving your insurance coverage. Here are several reasons why regular home maintenance is important for insurance purposes: 1. Protecting Your Coverage Most homeowners’ insurance policies require the property to be well-maintained. If damage occurs due to neglect, […]
November 7, 2024
millerinsAre electric vehicles harder and more expensive to insure?
Yes, electric vehicles (EVs) can be more expensive to insure than traditional gasoline-powered cars, although this can vary based on several factors. Here are the main reasons why EVs might be more expensive to insure: 1. Higher Initial Purchase Price Cost of the vehicle: EVs, especially new models, tend to be more expensive than comparable […]