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Home » Archives for millerins

millerins

April 15, 2024
millerins

The importance of using your insurance for large losses versus small ones

Using insurance for large losses rather than small ones can be financially prudent for several reasons: Cost Control: Insurance premiums are often influenced by claim frequency. Making small claims frequently can lead to higher premiums over time. By reserving your insurance for significant losses, you can avoid frequent claims and potentially keep your premiums lower. […]
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April 2, 2024
millerins

What is Social Inflation and how does it impact insurance costs?

Social inflation refers to the phenomenon where increasing litigation costs, higher jury awards, and other societal factors contribute to rising insurance claim costs. This can lead insurance companies to increase their rates to cover these higher costs. Factors contributing to social inflation include: Litigation Trends: A rise in litigation frequency and severity, including larger settlements […]
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March 20, 2024
millerins

The importance of replacing your roof for insurance purposes

Coverage Eligibility: Insurance companies may require that your roof be in good condition to provide coverage. If your roof is old, damaged, or in poor condition, it may not be eligible for coverage, or your insurance claim may be denied in case of damage.  We are seeing more and more insurance companies not renewing home […]
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March 7, 2024
millerins

What to look for when purchasing insurance

When purchasing insurance, there are several key factors to consider to ensure you’re getting the coverage that best fits your needs. Here are some things to consider: Coverage Types: Understand what types of coverage are available for your specific needs. Common types include auto insurance, life insurance, homeowners or renters insurance, motorcycle insurance, RV insurance, […]
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February 21, 2024
millerins

2024 Property and Casualty insurance trends to be aware of

In our ever changing insurance market we have seen some general trends to be aware of and their impact on the insurance industry.   Some of these trends to be aware of include: Technology Integration: The insurance industry continues to adopt advanced technologies such as artificial intelligence, machine learning, and data analytics to enhance underwriting processes, […]
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February 5, 2024
millerins

What can I do to help control my insurance rates?

Controlling your insurance rates often involves a combination of factors that insurers consider when determining premiums. Here are some general tips that may help you manage and potentially reduce your insurance rates: Maintain a Good Driving Record: Avoid traffic violations, accidents, and other infractions. Safe driving can often lead to lower premiums. Bundle Policies: Consider […]
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January 24, 2024
millerins

What are the biggest insurance risks to my business?

The biggest insurance risks for a business can vary depending on the nature of the business, industry, and other factors. However, some common risks that businesses often consider protecting against include: Property Damage: Coverage for damage to your business property caused by events like fire, vandalism, or natural disasters. Liability Claims: Protection against claims of […]
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January 16, 2024
millerins

Homeowners insurance covering winter weather damage

Homeowners insurance typically provides coverage for a variety of risks, including damage caused by winter weather conditions. However, the specific coverage can vary based on your policy and the insurance provider. Here are some common types of winter weather damage that may be covered by homeowners insurance: Frozen Pipes: If your pipes freeze and burst, […]
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January 3, 2024
millerins

The higher cost of insuring an electric vehicle and why

Specific details about insurance for electric vehicles (EVs) in Everett, Washington are subject to constant change in this new era of battery powered vehicles. However, I can provide you with some general considerations and potential challenges that are often associated with insuring electric vehicles: Cost of Repairs: Electric vehicles generally have unique components and advanced […]
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December 7, 2023
millerins

What are my insurance liability risks as a general contractor in Washington State?

I am not a lawyer, so it’s important to consult with legal experts for advice tailored to your specific situation. However, I can provide you with some general information on insurance liability risks that general contractors in Everett, Washington may face. Keep in mind that regulations and requirements may change and it’s crucial to stay […]
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