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The Miller Insurance Agency Blog: homeowners insurance

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Holidays and special events often include celebrations that bring together families and friends in homes across the country. Food, fun, conversations and spirits flow generously. Unfortunately, such celebrations may be accompanied by injuries and accidents, especially when alcoholic drinks are involved. READ MORE >>

A longtime, extremely popular summer rite is to enjoy setting off fireworks. However, it's important to think, truly think, before striking a match or using a lighter on your first firecracker, sparkler, smoke-bomb, bottle rocket or other forms of incendiary entertainment. READ MORE >>

In order to properly value your personal possessions, you have to go through the tedious, difficult process of documenting what you own. The following list could be very helpful in identifying what you own and, more importantly, be used as proof of loss in case disaster strikes such as a serious storm, theft, or fire. READ MORE >>

A standard homeowners insurance policy offers a limit equal to half of the amount reserved for the residence (ex. Your home is covered for $150,000, so your contents and furnishings are covered for $75,000). While this is generous coverage, it doesn't extend to all types of property nor for all causes of loss. READ MORE >>

What Is An Attractive Nuisance? This is a term originated by a judge to describe property that attracts youngsters and, because of its dangerous nature, creates a special obligation to property owners. Examples are: swimming pools trampolines empty buildings appliances kept outside READ MORE >>

 The wintry months of December through February are the highest for reported home fires that involve heating equipment. Such fires are a sad, significant source of fire fatalities, though they are far more preferable than using dangerous sources such as ovens for home heating. READ MORE >>

Millions of households regularly take advantage of pleasant, warmer weather by grilling meals outside. While this act is as much recreation as it is cooking, it also represents a serious source of property damage and injury. Each year in the U.S. READ MORE >>

Most homeowner policies provide very limited coverage for jewelry. The reason? Jewelry is high-valued (especially in relation to its size), is easily lost or destroyed and is vulnerable to theft (as well as fraud). If you only own a modest amount of jewelry (say just a few hundred dollars), perhaps the limited coverage provided by a basic policy is adequate. READ MORE >>

A standard homeowners insurance policy offers a limit equal to half of the amount reserved for the residence (ex. Your home is covered for $150,000, so your contents and furnishings are covered for $75,000). While this is generous coverage, it doesn't extend to all types of property nor for all causes of loss. READ MORE >>

Your hobby may significantly affect your insurance needs. Hobbies often require a large investment in tangible property and may even create some legal responsibility to other persons or their property. Hobbyists: Collectors or Enthusiasts Hobbies typically involve either collectors or enthusiasts. READ MORE >>

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