December 2, 2025
millerinsHow to best prepare my home for a cold winter to prevent damage?
Preparing your home for a cold winter is one of the best ways to prevent costly damage—and it often helps with insurance claims if something does go wrong. Here’s a solid checklist to protect your home before temperatures drop: Exterior Preparation 1. Protect Your Roof Inspect for missing or damaged shingles. Clean gutters and downspouts […]
November 19, 2025
millerinsWhat is the best way I can save money on my auto and home insurance without sacrificing coverage?
Here are the most effective ways to save money on your auto and home insurance without sacrificing coverage, while still keeping the protection you need for the big losses (which aligns with how you already think about insurance): 1. Raise Your Deductibles Strategically This is the #1 way to lower premiums without weakening your protection.Since […]
November 12, 2025
millerins10 Reasons Car Insurance Premiums Are Getting So Expensive
With summer having officially arrived, many Americans will be loading up their cars, SUVs and minivans and hitting the road to any number of far-flung vacation destinations. Many, if not most, will also likely be stunned as to how much their auto insurance premiums have jumped. Industry estimates suggest the average motorist will see his […]
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 21, 2025
millerins6 Forces Driving Commercial Auto Insurance Costs
Over the past decade, auto insurance rates have increased steadily, well exceeding the rate of inflation over the same period. But what’s driving this upward trend? Explore factors that have significantly impacted the rates for commercial auto. 1. Bodily injury loss costs Bodily injury severity had a sharp trend upward, increasing 9.2% from 2023 to […]
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 30, 2025
millerinsHow does insurance fraud affect my insurance premiums?
Insurance fraud raises costs for insurers, and those costs get passed on to honest customers through higher premiums, stricter underwriting, and fewer discounts — plus if you are found to have committed fraud, your rates will go up a lot (and you can also face denial of claims, cancellation, fines, or criminal charges). How fraud […]
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 […]