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 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 […]
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 […]
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 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 […]
May 20, 2026
millerinsWhy purchasing auto and home insurance comes down to more than just cost?
While price is often the first thing people compare when shopping for auto and home insurance, focusing only on cost can leave you under protected or frustrated later. The value of an insurance policy goes far beyond the premium you pay. Here are the key reasons why: 1. Coverage Quality Matters More Than Price A […]
June 2, 2026
millerinsWhat does my homeowners insurance policy cover other than covering damages to my home?
Homeowners insurance does a lot more than just pay to repair your house. Most standard policies (like an HO-3) include several additional protections: 1. Personal Property Coverage Covers your belongings if they’re damaged, destroyed, or stolen. Furniture, clothing, electronics, appliances, etc. Often covered even outside your home (e.g., items stolen from your car or while […]
June 11, 2026
millerinsWhen would my business need professional liability insurance?
Professional liability insurance (also called errors & omissions (E&O) insurance) is important when your business provides services, advice, or expertise that clients rely on. You would typically need it in situations where a mistake—or even an alleged mistake—could financially harm a client. Here are the key times and scenarios when it makes sense: 1. You […]