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 4, 2026
millerinsHome-Based Business: Am I Covered Under My Homeowners Insurance?
Running a business from home has never been more common. Whether you’re crafting products in your spare bedroom, consulting from a home office, or storing inventory in your garage, many entrepreneurs assume their homeowners insurance will automatically cover their business activities. Unfortunately, that’s usually not the case—and the gaps can expose you to significant financial […]
February 16, 2026
millerinsHomeowners Insurance Essentials Checklist
✅ 1. Coverage Basics Dwelling coverage amount matches cost to rebuild your home Other structures (shed, fence, detached garage) are covered Personal property coverage is enough to replace your belongings Loss of use coverage can fund temporary housing if needed Liability coverage is at least $300k (preferably $500k–$1M) ✅ 2. Understand What’s NOT Covered Flooding […]
January 16, 2026
millerinsReal Cases, Real Rewards
Billion-dollar jury awards aren’t just big headlines – they’re a growing threat for businesses of all sizes. In fact, mega-nuclear verdicts, awards that exceed $100 million, have increased by 61% year over year.* Product liability is the leading category, making up 1 in 6 of 2024’s Top 100 verdicts. Large jury awards are no […]
January 5, 2026
millerinsWhat is the most important reason for having auto and home insurance?
The most important reason for having auto and home insurance is financial protection against losses that could otherwise be devastating. In plain terms: insurance protects your assets, income, and future from events you can’t reasonably afford to handle on your own. Why this matters most 1. Protection from large, unexpected losses A serious auto accident […]
December 2, 2025
millerinsHow to best prepare my home for a cold winter to prevent damage?
Preparing your home for a cold winter is one of the best ways to prevent costly damage—and it often helps with insurance claims if something does go wrong. Here’s a solid checklist to protect your home before temperatures drop: Exterior Preparation 1. Protect Your Roof Inspect for missing or damaged shingles. Clean gutters and downspouts […]
November 19, 2025
millerinsWhat is the best way I can save money on my auto and home insurance without sacrificing coverage?
Here are the most effective ways to save money on your auto and home insurance without sacrificing coverage, while still keeping the protection you need for the big losses (which aligns with how you already think about insurance): 1. Raise Your Deductibles Strategically This is the #1 way to lower premiums without weakening your protection.Since […]
October 28, 2025
millerinsWhat are some common house maintenance projects to avoid costly insurance claims?
Proactive home maintenance is one of the best ways to prevent expensive insurance claims and keep your property in top shape. Here’s a breakdown of common maintenance projects that help you avoid damage (and the claims that follow): 1. Roof Maintenance Inspect annually for missing, curling, or damaged shingles. Clean gutters and downspouts to prevent […]
October 14, 2025
millerinsHow Social Inflation is impacting auto and home insurance premiums
What is social inflation? In short, social inflation refers to the phenomenon where the cost of insurance claims (especially liability claims) rises faster than general economic inflation, driven by legal, societal, and behavioral trends rather than just price increases in goods or services. eforum.casact.org+3NAIC+3Swiss Re+3 Some of the drivers include: Larger jury awards (including “nuclear […]
September 30, 2025
millerinsHow does insurance fraud affect my insurance premiums?
Insurance fraud raises costs for insurers, and those costs get passed on to honest customers through higher premiums, stricter underwriting, and fewer discounts — plus if you are found to have committed fraud, your rates will go up a lot (and you can also face denial of claims, cancellation, fines, or criminal charges). How fraud […]