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 26, 2025
millerinsWhy do I need umbrella insurance coverage?
Umbrella insurance is essentially extra liability coverage that kicks in after you’ve exhausted the limits of your auto, homeowners, or other primary liability policies. Here’s why many people choose to carry it: 1. Protects Against Large Lawsuits If you’re ever sued for causing injury, property damage, or personal harm (like libel or slander), judgments can […]
September 22, 2025
millerinsPreparing Your Home or Business for Winter
Winterize your home or business now to avoid costly damage and insurance claims Freezing temperatures, ice, snow, and wind can wreak havoc on homes and businesses that aren’t properly prepared. Fall is the ideal time to take simple, preventative steps that can save thousands of dollars in repairs when winter storms hit the Pacific Northwest. […]
September 17, 2025
millerinsClimate change and natural catastrophes affect on auto and home insurance
Climate change and natural catastrophes are having a significant and growing impact on both auto and home insurance. These changes are reshaping how insurance companies assess risk, set premiums, and offer coverage. Here’s a breakdown: 1. Impact on Home Insurance A. Increased Frequency & Severity of Claims Wildfires, hurricanes, floods, and hailstorms are becoming more […]
August 5, 2025
millerinsWhat does it take for an independent insurance agent to provide insurance quotes versus getting a quote in 5 minutes or less?
The difference between an independent insurance agent providing quotes and getting a quote in “5 minutes or less” (like you see advertised by online insurance companies) comes down to a few key factors: technology, data access, carrier relationships, and process automation. Here’s a breakdown of what it really takes for an independent insurance agent to […]
August 1, 2025
millerinsHow Wildfires are affecting insurance premiums on the west coast
Wildfires along the U.S. West Coast—particularly the devastating Los Angeles-area fires in January 2025—are significantly reshaping the insurance landscape, especially in California, Oregon, and Washington. Here’s how those disasters are affecting insurance premiums and policy access: 🔥 1. Rising Premiums in High-Risk Areas In California, insurers such as State Farm and Travelers raised homeowners policy […]
July 30, 2025
millerinsHow to Help Prepare for a Wildfire
Wildfires can pose particular dangers to both lives and property because they often begin unnoticed and can spread quickly. According to the Insurance Institute for Business & Home Safety (IBHS),1 windborne embers present a significant threat from wildfires and are the primary cause of most building ignitions. Other wildfire threats include radiant heat and direct flame […]
June 16, 2025
millerinsWhat is driving insurance rates in 2025?
In 2025, there are several key factors driving the fluctuations in driving insurance rates, both on an individual and national level. These factors are often tied to broader economic, technological, and societal shifts. Here’s a breakdown of what’s influencing insurance rates in 2025: 1. Inflation and Economic Factors Increased Costs of Repair and Replacement: The […]
April 11, 2025
millerinsIs Litigation Funding the New Cost of Doing Business?
For the past decade, the small and midsize businesses we protect have been watched by anonymous, predatory investors waiting for just the right injury to pounce. Often at the expense of the injured party, and always trying to inflict maximum damage on the businesses and insurers in their sights, third-party investors turn the financial promise […]