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 […]
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 […]
April 6, 2026
millerinsWhat are the major risks of being uninsured for my auto and home?
Auto Insurance: Major Risks of Being Uninsured 1. Severe Financial Liability After an Accident If you cause an accident while uninsured, you are personally responsible for: Other drivers’ vehicle repairs Medical bills for injuries Pain-and-suffering damages Legal defense costs A serious injury accident can easily exceed $100,000–$500,000, and there’s no cap on what you may […]
March 24, 2026
millerinsUnderstanding Liability Coverage
What liability coverage is: Liability coverage pays for injuries or property damage you cause in an accident. It helps protect your personal finances if someone files a claim or lawsuit against you. How much liability coverage you need Most people choose their coverage limits based on three factors: Assets to protect If you own a […]
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 […]