April 24, 2026
millerinsAre Aftermarket Mods Covered by Auto Insurance?
The short answer: usually no—aftermarket equipment is not automatically fully covered unless certain conditions are met. Here’s how it typically works in U.S. auto insurance policies: What Counts as Aftermarket Equipment? Aftermarket (or “custom”) equipment includes anything added after the car left the factory, such as: Lift kits or lowering kits Custom wheels or tires […]
April 22, 2026
millerinsCreate a fire buffer zone around your home
From 2005 to 2020, wildfire destroyed almost 90,000 structures, including homes and businesses, or 62% of all structures lost over a 15-year period. In 2018 alone, wildfire burned 9 million acres in the United States, including more than 18,000 homes. Preparing your home to guard against wildfires may have the extra benefit of making it […]
April 6, 2026
millerinsWhat are the major risks of being uninsured for my auto and home?
Auto Insurance: Major Risks of Being Uninsured 1. Severe Financial Liability After an Accident If you cause an accident while uninsured, you are personally responsible for: Other drivers’ vehicle repairs Medical bills for injuries Pain-and-suffering damages Legal defense costs A serious injury accident can easily exceed $100,000–$500,000, and there’s no cap on what you may […]
March 24, 2026
millerinsUnderstanding Liability Coverage
What liability coverage is: Liability coverage pays for injuries or property damage you cause in an accident. It helps protect your personal finances if someone files a claim or lawsuit against you. How much liability coverage you need Most people choose their coverage limits based on three factors: Assets to protect If you own a […]
March 12, 2026
millerinsWhat auto and home insurance deductibles should I have and why?
Auto Insurance Deductibles The two deductibles that matter most: comprehensive (hail, theft, vandalism, animals) and collision (you hit something). How to choose the right auto deductible Ask yourself two questions: 1) How much could you comfortably pay out‑of‑pocket tomorrow? This is your “emergency repair comfort zone.” If an unexpected $1,000 expense would be fine → […]
March 4, 2026
millerinsHome-Based Business: Am I Covered Under My Homeowners Insurance?
Running a business from home has never been more common. Whether you’re crafting products in your spare bedroom, consulting from a home office, or storing inventory in your garage, many entrepreneurs assume their homeowners insurance will automatically cover their business activities. Unfortunately, that’s usually not the case—and the gaps can expose you to significant financial […]
February 16, 2026
millerinsHomeowners Insurance Essentials Checklist
✅ 1. Coverage Basics Dwelling coverage amount matches cost to rebuild your home Other structures (shed, fence, detached garage) are covered Personal property coverage is enough to replace your belongings Loss of use coverage can fund temporary housing if needed Liability coverage is at least $300k (preferably $500k–$1M) ✅ 2. Understand What’s NOT Covered Flooding […]
February 2, 2026
millerinsWhat to do in the event of an auto accident insurance claim
Here’s a clear, practical checklist of what to do after any auto accident when you may need to file an insurance claim. This applies broadly in the U.S. and Canada, but most steps are good practice anywhere. What To Do After an Auto Accident (For Insurance Claims) What To Do After an Auto Accident (For […]
January 26, 2026
millerinsIs my new car insured when I purchase it?
Short answer: it depends—and this is one of those things that trips a lot of people up. Here’s how it usually works: If you already have auto insurance Many policies automatically cover a newly purchased car for a short grace period (often 7–30 days), but: Coverage is usually limited (sometimes only liability) You must notify […]
January 16, 2026
millerinsReal Cases, Real Rewards
Billion-dollar jury awards aren’t just big headlines – they’re a growing threat for businesses of all sizes. In fact, mega-nuclear verdicts, awards that exceed $100 million, have increased by 61% year over year.* Product liability is the leading category, making up 1 in 6 of 2024’s Top 100 verdicts. Large jury awards are no […]