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Miller's Insurance Agency Blog: home insurance

View the latest blog posts from Miller's Insurance Agency.

Your garage is likely the place you store a variety of valuable items. You may have your vehicles here. You also have equipment you use to maintain your lawn. You may have tools you use in your home. If you took a moment, how much would all your belongings in the garage add up? It is important to consider this. READ MORE >>

When spring arrives, many people want to head outside to start enjoying their space. A few home improvement projects may happen, too. Making changes to your home is not a problem. However, it is important to consider your home’s risk factors. Be sure that the changes you make do not increase risk. READ MORE >>

Identity theft is a growing risk. Most people are at risk for some form of identity theft. Prevention is possible with careful attention. Yet, when it occurs, it can be very costly to any victim. According to a survey from Javelin Strategy & Research, there were $16 billion worth of identity theft incidents in 2016. READ MORE >>

You wake up after a cold night to find that some of your home’s pipes burst. How did this happen? Water remains in your pipes almost continuously. During times of extreme freezing temps, the water in the pipes can freeze. The water expands within the pipes, creating pressure on the inside of the pipe. READ MORE >>

Accidents can occur anywhere in the home. Many times, the location does not matter. Your homeowners insurance will cover the loss. However, the driveway can become an area of concern. If an accident occurs here, does your home insurance cover it? Does your car insurance kick in? READ MORE >>

Filing bankruptcy can impact a variety of areas of life. Some people are able to remain in their homes after filing. This is not uncommon in Chapter 7 or Chapter 13 filings. This happens if the home's equity is low, and there is an allowance within state bankruptcy laws. READ MORE >>

A severe event, such as a storm, can worry any property owner. If you face home insurance claims for hurricanes, flooding or other significant damage, don't worry. Your first step should be to speak to your insurance agent about the situation. Often, insurers will set up a process to help you know exactly what to do. READ MORE >>

Does having a pet increase how much you will pay for home insurance? In some situations, it may. From the perspective of the insurance provider, pets may pose a higher risk than not having them. Animals can hurt others, making them a higher risk for liability. This may drive rates up for homeowners. READ MORE >>

Most homeowners love the idea of having a dog to fill their home with fun, snuggles and lots of love. But even well-behaved and happy dogs can act out when they're afraid. If you own a dog or are thinking of getting one, dog bites are a liability you need to think about. READ MORE >>

Investing in home insurance is always a good decision for any homeowner. A home insurance policy provides a range of financial protection for property owners. Most policies provide sizable coverage for accidental and unavoidable types of incidents. This includes situations such as theft from a break-in, damage from fire, or weather damage. READ MORE >>

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