March 24, 2025
millerinsWhy should I have a personal umbrella insurance policy?
A personal umbrella insurance policy can be an important addition to your overall coverage for several reasons. Here’s why you might want to consider it: Extra Liability Protection: Umbrella insurance provides additional liability coverage beyond the limits of your existing auto, homeowners, or renters insurance policies. If you were to cause an accident or damage […]
March 18, 2025
millerinsWhat are my responsibilities if I am involved in an auto accident?
If you’re involved in an auto accident, there are several important responsibilities you need to follow to ensure the situation is handled properly. Here’s a general outline of what you should do: 1. Ensure Safety Stop: Never leave the scene of the accident, even if it’s a minor fender bender. Leaving the scene could result in criminal […]
March 13, 2025
millerinsDoes homeowners insurance cover fallen trees?
Homeowners insurance may cover damage to your home and other structures on your property caused by fallen trees, branches, and limbs. This may also include coverage for damage caused by a neighbor’s tree falling on your property, although your neighbor’s insurance may pay for the damage instead if the tree fell due to negligence on […]
March 3, 2025
millerinsDoes my homeowners insurance cover my service lines?
Homeowners insurance typically does not cover service lines, such as water, sewer, gas, or electric lines that run from your house to the street or other external connections. These service lines are often considered the homeowner’s responsibility for repair or replacement. However, some homeowners policies may offer an add-on or endorsement for service line coverage, […]
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, […]
October 4, 2023
millerinsFiling an auto insurance claim (and when you might not want to)
Your driving record is a key component that determines how much you pay for auto insurance. A single accident can really cost you, especially if there’s significant property and medical damage. Premiums can increase by almost 50% after an at-fault accident claim, according to an analysis by The Zebra, an insurance comparison website. As you might […]
July 5, 2023
AgencyHow Insurers Make Money
Insurance companies primarily make money in two ways: from investments and by generating an underwriting profit—that is, collecting premiums that exceed insured losses and related expenses. It all begins with underwriting. Insurers, whether life or nonlife, must assess the risk and gauge the likelihood of claims and the value of those claims. Insurance companies invest […]