October 23, 2026
millerinsWhat are the benefits of higher deductibles on my auto and home insurance?
Higher deductibles can be a very effective way to reduce insurance costs, but they are most beneficial when you have enough savings to comfortably absorb a larger out-of-pocket loss. Auto Insurance Benefits 1. Lower premiums Increasing your collision and comprehensive deductibles generally lowers your premium because you’re agreeing to pay more of a claim yourself […]
October 20, 2026
millerinsDoes making late payments on my auto and home insurance have any impact on my insurance premiums?
Yes, late payments can affect your insurance costs, but usually indirectly rather than through an automatic surcharge for one late payment. If you’re occasionally late Most auto and home insurers provide a grace period or may charge a late fee. A single late payment typically does not cause your premium to increase immediately. If late […]
October 15, 2026
millerinsIs it a good idea to remove insurance coverage from a vehicle, motorcycle, or RV that I still own, but am not using it? at this time?
In most cases, completely removing insurance coverage from a vehicle, motorcycle, or RV that you still own is not a good idea, even if you’re not currently using it. Here are the key considerations: Reasons to Keep Some Coverage 1. Your Asset Still Has Value Even when parked, a vehicle can be damaged by: Fire […]
October 6, 2026
millerinsWhy buy insurance?
People buy insurance because it helps protect them from financial losses they could not easily afford on their own. Why insurance is valuable Protects against large unexpected costs A car accident, house fire, serious illness, or lawsuit can cost thousands or even millions of dollars. Insurance helps cover those expenses. Reduces financial risk Instead of […]
September 25, 2026
millerinsHow to best prepare my home for winter to avoid insurance claims
The best way to avoid winter insurance claims is to focus on the issues that generate the most homeowner losses: frozen pipes, roof damage, water intrusion, heating system failures, fires, and slip-and-fall injuries. 1. Protect Plumbing From Freezing Water damage from burst pipes is often one of the most expensive winter losses. Before freezing temperatures […]
September 10, 2026
millerinsHow to get your best auto insurance rates by signing up for carrier telematics and driver tracking
Signing up for an insurer’s telematics program can be one of the easiest ways to lower your auto insurance premium if you’re already a safe driver. These programs use a smartphone app, plug-in device, or connected car data to measure how you drive and then apply discounts based on your driving habits. How to maximize […]
September 9, 2026
millerinsIf I purchase my child an ebike does my insurance cover their liability exposure?
Maybe, but do not assume it does. For most families, liability coverage for a child riding an e-bike depends on: Your specific homeowners or umbrella insurance policy How the insurer classifies the e-bike The bike’s power and speed State laws and policy exclusions When coverage may exist Some homeowners policies provide personal liability coverage for […]
August 31, 2026
millerinsIs my e-bike covered on my auto or homeowners insurance?
Usually not fully, and sometimes not at all. The answer depends on your e-bike’s class, speed, motor size, and the wording of your specific policies. Auto Insurance Most personal auto policies do not cover e-bikes because they are generally not considered insured automobiles and typically aren’t listed on an auto policy. Homeowners Insurance Homeowners insurance […]
August 19, 2026
millerinsPreventative and pro-active tips for businesses to avoid costly claims
Preventing claims is one of the best ways to keep insurance costs down and protect a business’s profitability. A strong risk management program can reduce accidents, lawsuits, property losses, cyber incidents, and workers’ compensation claims. General Business Risk Management 1. Develop Written Policies and Procedures Create clear safety, HR, operational, and security policies. Review and […]
August 14, 2026
millerinsIs my child covered on my auto and home insurance while away at school?
In many cases, yes, but the exact coverage depends on the policy and the child’s living situation. Auto Insurance A child who is away at college can often remain covered under a parent’s auto policy, especially if the parent’s home remains the student’s primary residence. Many insurers allow this even if the student attends school […]