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 […]
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 […]