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 […]
September 4, 2025
millerinsWhat You Should Know About: Filing a Claim Under Your Auto Insurance Policy
Collision wreck your ride? Here are a few simple tips on filing an auto insurance claim Knowing what your insurance policy covers and doesn’t cover is important, so review your policies at least once each year with your insurance agent or company. Also, knowing how to file an auto insurance claim if you get into […]
August 7, 2025
millerinsThe Pitfalls of “Cheap” Auto Insurance: What You Need to Know
The problem with “cheap” auto insurance often comes down to the fact that you get what you pay for. While low premiums can be attractive, there are several downsides and risks associated with going for the cheapest option available. Here are the main issues: 1. Minimal Coverage Cheap insurance often means bare minimum liability coverage—just […]
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 22, 2025
millerinsWhy are vehicle repair costs getting more expensive?
Vehicle repair costs are rising for several interconnected reasons, including advances in technology, supply chain issues, labor shortages, and inflation. Here’s a breakdown of the main factors: 1. Advanced Technology in Vehicles More sensors and electronics: Modern cars have advanced safety and convenience features like ADAS (Advanced Driver Assistance Systems), backup cameras, radar, and lane-keeping […]
July 15, 2025
millerinsWhat is the best way to save money without sacrificing coverage on my auto insurance?
Saving money on auto insurance without sacrificing coverage is all about optimizing your policy — keeping the protections you need while eliminating waste. Here’s a step-by-step strategy to do just that: 1 – Review and Adjust Coverage Keep full coverage (liability, collision, and comprehensive) if your car is newer or financed. Drop collision/comprehensive if your […]
June 9, 2025
millerinsThe importance of notifying the DMV after selling your vehicle
Notifying the Department of Motor Vehicles (DMV) after selling your vehicle is crucial for protecting yourself from potential liability and legal issues that may arise after the sale. By filing a release of liability or notice of transfer, you officially transfer ownership and responsibility for the vehicle to the new owner, preventing you from being held […]