September 9, 2026
millerinsIf I purchase my child an ebike does my insurance cover their liability exposure?
Maybe, but do not assume it does. For most families, liability coverage for a child riding an e-bike depends on: Your specific homeowners or umbrella insurance policy How the insurer classifies the e-bike The bike’s power and speed State laws and policy exclusions When coverage may exist Some homeowners policies provide personal liability coverage for […]
August 31, 2026
millerinsIs my e-bike covered on my auto or homeowners insurance?
Usually not fully, and sometimes not at all. The answer depends on your e-bike’s class, speed, motor size, and the wording of your specific policies. Auto Insurance Most personal auto policies do not cover e-bikes because they are generally not considered insured automobiles and typically aren’t listed on an auto policy. Homeowners Insurance Homeowners insurance […]
August 14, 2026
millerinsIs my child covered on my auto and home insurance while away at school?
In many cases, yes, but the exact coverage depends on the policy and the child’s living situation. Auto Insurance A child who is away at college can often remain covered under a parent’s auto policy, especially if the parent’s home remains the student’s primary residence. Many insurers allow this even if the student attends school […]
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 30, 2026
millerinsWhen I rent a car, am I covered on my current auto insurance?
Usually yes, your personal auto insurance extends to a rental car, but it depends on the coverages you carry and the type of rental. [progressive.com], [travelers.com] A quick rule of thumb: Liability coverage on your personal policy typically follows you to a rental car and can help pay for damage or injuries you cause to […]
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 29, 2026
millerinsWhat should I do if I am in a car accident with an uninsured driver?
If you’re in an accident with an uninsured driver, the most important thing is to protect your safety, document everything, and notify your insurer promptly. At the scene Check for injuries and call 911 if needed. Even if injuries seem minor, a police report can be important later. Call the police. An official report helps […]
June 11, 2026
millerinsWhen would my business need professional liability insurance?
Professional liability insurance (also called errors & omissions (E&O) insurance) is important when your business provides services, advice, or expertise that clients rely on. You would typically need it in situations where a mistake—or even an alleged mistake—could financially harm a client. Here are the key times and scenarios when it makes sense: 1. You […]