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Home » Blog

Blog

December 2, 2024
millerins

What 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 […]
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December 2, 2024
millerins

The 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, […]
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November 7, 2024
millerins

Are 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 […]
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October 22, 2024
millerins

What does a typical homeowners insurance policy not cover?

A typical homeowners insurance policy generally does not cover the following: Flood Damage: Flooding typically requires separate flood insurance. Earthquake Damage: This often requires a separate policy or endorsement. Maintenance Issues: Damage from lack of maintenance, such as mold or pest infestations, isn’t covered. Sewer Backup: This often requires additional coverage. Wear and Tear: Normal […]
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October 14, 2024
millerins

The purpose of property and liability insurance

Insurance is primarily designed to protect individuals and businesses from significant financial losses due to unexpected events, such as accidents, natural disasters, or other unforeseen circumstances. By pooling risks among many policyholders, insurance companies can help mitigate the financial impact of these large losses, allowing people to recover more easily. This can include coverage for […]
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October 1, 2024
millerins

The importance of employee driving history and its impact on your business auto insurance

Understanding employee driving history is crucial for businesses that operate vehicles or require employees to drive as part of their job. Here’s why it matters and how it impacts your business auto insurance: 1. Risk Assessment Insurance Premiums: Insurers assess risk based on driving history. Employees with clean records may lead to lower premiums, while […]
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September 11, 2024
millerins

How insurance companies are protecting your homes from wildfires

Insurance companies are increasingly proactive in protecting homes from wildfires through a range of strategies and technologies. Here’s a look at some of the key approaches they use: Risk Assessment and Modeling: Insurers use advanced risk assessment tools and models to evaluate the likelihood of wildfires in specific areas. This includes analyzing historical data, weather […]
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September 5, 2024
millerins

What college students need to know about insurance

Unless you’re still living at home, driving the same car and logging roughly the same mileage you did in high school, your insurance needs are likely to change when you leave for college – at least a little bit. Here are answers to college students’ top questions about insurance: Are my car insurance rates going […]
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August 22, 2024
millerins

The problems with buying cheap auto and home insurance

Buying cheap auto and home insurance can seem like a good idea to save money, but it can come with several risks and drawbacks: 1. Limited Coverage Auto Insurance: Minimum Coverage: Cheap auto insurance often provides only the minimum coverage required by law, which may not be enough if you’re involved in a serious accident. […]
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August 8, 2024
millerins

What factors affect my auto insurance premiums?

Several factors can influence your auto insurance premiums. Here are some of the key ones: Driving Record: A history of accidents, traffic violations, or claims can increase your premium, while a clean driving record can help keep it lower. Age and Gender: Younger drivers, particularly males, often face higher premiums due to statistical risk factors. […]
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