August 7, 2026
millerinsKey Insurance Topics to Discuss with Family Members
Talking about insurance with family can feel uncomfortable, but these conversations can prevent confusion and financial stress during emergencies. Here are the most important insurance topics to discuss: 1. Life Insurance Does anyone have life insurance coverage? Where are the policies located? Who are the beneficiaries? Is the coverage amount sufficient to replace income, pay […]
July 24, 2026
millerinsIf my neighbors tree falls on my house who’s insurance would pay for the damages?
In most cases, your homeowners insurance would pay for the damage to your house, even if the tree came from your neighbor’s yard. Insurance companies generally handle fallen-tree claims based on whose property was damaged, not who owned the tree. [insurance.com] However, there is an important exception: If the tree was healthy and fell because […]
July 15, 2026
millerinsShould I purchase flood insurance for my home?
For many homeowners, it’s worth serious consideration, even if flood insurance isn’t required by a lender. A few important facts: Standard homeowners insurance typically does not cover flood damage. Flood insurance is usually purchased separately. [fema.gov] Flooding can occur outside designated high-risk flood zones. FEMA reports that about one-third of NFIP flood insurance claims between […]
July 7, 2026
millerinsShould I buy earthquake insurance for my home?
Whether you should buy earthquake insurance depends on three factors: Your earthquake risk Your ability to absorb a major loss The cost and deductible of the policy Consider buying earthquake insurance if: You live in an area with meaningful seismic risk. Your home is your largest asset. Rebuilding or repairing major damage would be financially […]
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 […]
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 […]
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 […]
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 […]