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 […]
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 […]
February 2, 2026
millerinsWhat to do in the event of an auto accident insurance claim
Here’s a clear, practical checklist of what to do after any auto accident when you may need to file an insurance claim. This applies broadly in the U.S. and Canada, but most steps are good practice anywhere. What To Do After an Auto Accident (For Insurance Claims) What To Do After an Auto Accident (For […]
January 26, 2026
millerinsIs my new car insured when I purchase it?
Short answer: it depends—and this is one of those things that trips a lot of people up. Here’s how it usually works: If you already have auto insurance Many policies automatically cover a newly purchased car for a short grace period (often 7–30 days), but: Coverage is usually limited (sometimes only liability) You must notify […]
January 16, 2026
millerinsReal Cases, Real Rewards
Billion-dollar jury awards aren’t just big headlines – they’re a growing threat for businesses of all sizes. In fact, mega-nuclear verdicts, awards that exceed $100 million, have increased by 61% year over year.* Product liability is the leading category, making up 1 in 6 of 2024’s Top 100 verdicts. Large jury awards are no […]
January 5, 2026
millerinsWhat is the most important reason for having auto and home insurance?
The most important reason for having auto and home insurance is financial protection against losses that could otherwise be devastating. In plain terms: insurance protects your assets, income, and future from events you can’t reasonably afford to handle on your own. Why this matters most 1. Protection from large, unexpected losses A serious auto accident […]