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 […]
March 24, 2025
millerinsWhy should I have a personal umbrella insurance policy?
A personal umbrella insurance policy can be an important addition to your overall coverage for several reasons. Here’s why you might want to consider it: Extra Liability Protection: Umbrella insurance provides additional liability coverage beyond the limits of your existing auto, homeowners, or renters insurance policies. If you were to cause an accident or damage […]
March 13, 2025
millerinsDoes homeowners insurance cover fallen trees?
Homeowners insurance may cover damage to your home and other structures on your property caused by fallen trees, branches, and limbs. This may also include coverage for damage caused by a neighbor’s tree falling on your property, although your neighbor’s insurance may pay for the damage instead if the tree fell due to negligence on […]
March 3, 2025
millerinsDoes my homeowners insurance cover my service lines?
Homeowners insurance typically does not cover service lines, such as water, sewer, gas, or electric lines that run from your house to the street or other external connections. These service lines are often considered the homeowner’s responsibility for repair or replacement. However, some homeowners policies may offer an add-on or endorsement for service line coverage, […]
February 10, 2025
millerinsDoes homeowners insurance take into account the maintenance and condition of my home?
Yes, homeowners insurance generally considers the maintenance and condition of your home, though it may not directly impact the premium in the way you might expect. However, poor maintenance can affect your coverage in several ways: Claims Denial: If damage to your home is due to lack of maintenance or neglect, your insurance company might […]
February 4, 2025
millerinsIs there such a thing as “full coverage” when it comes to insurance?
“Full coverage” in insurance is a commonly used term, but it can be a bit misleading because it doesn’t mean complete protection against all possible risks. What “full coverage” usually refers to in the context of car insurance is a combination of the following types of coverage: Liability Insurance (required in most states): Covers damages […]