Make Your Home More Eco-Friendly This Earth Day

Try out these easy suggestions to make your home more eco-friendly this Earth Day.Make Your Home More Eco-Friendly This Earth Day

Earth Day is April 22nd. In honor of this day, we should all make an effort to be more environmentally conscious. Want to go green, but just not sure where you should start? Try out these easy suggestions to make your home more eco-friendly.

Switch to LEDs

One easy way to make your household greener is by switching all of your light bulbs to LED bulbs. LEDs are a great option for the environment because they require 90% less electricity than standard light bulbs. Additionally, with an average lifespan of about 10 years, these bulbs have the added benefit of not needing to be replaced very frequently.

Boost Your Recycling Efforts

Another way to make your home more eco-friendly is by increasing your recycling efforts. While most Americans do a good job of recycling things like aluminium cans, plastic bottles, and paper products, there are many other household items that can be recycled. For instance, dead batteries, old electronics, broken appliances, old clothes, and even cooking grease can all be safely recycled.

Save Water

While our planet is mostly covered in water, only a small percentage of it is fresh water safe for human use. This is why we should all make an effort to conserve this precious resource. Luckily, there are many easy changes that we can make to save water. For instance, reducing the length of our showers, upgrading to water-efficient appliances, and adjusting our home’s sprinkler settings are all ways to use less water.

Make these easy changes to make your home more environmentally-friendly this Earth Day.  Are you looking for assistance with your insurance this month?  Then don’t hesitate to contact us at Miller Carlisle Insurance Services.  We are eager to assist you with all your insurance needs today.

Why Your Auto Insurance Rates Might Seem High

Find out why your car insurance seems so expensive.Why Your Auto Insurance Rates Might Seem High

Do your auto insurance rates seem to be on the higher side? If so, there are some legitimate reasons that explain why your premiums are so expensive. Curious to learn more about this price disparity? Here are some of the reasons why your car insurance might be more expensive than other drivers’.

  • You Set a Low Deductible

Your deductible is the amount of money that you agree to pay towards car repairs before your auto insurance kick in. For instance, if you set a deductible for $500 and get into a car accident, you would have to pay this $500 before getting access to your insurance coverage. It’s important to understand that your deductible and premium have an inverse relationship. This means that the lower your deductible is, the higher your premiums will be. If you want to reduce your auto insurance rates, consider raising your deductible.

  • You Drive a Specialty Vehicle

If you drive a high-performance or specialty vehicle, you should expect your insurance rates to be higher than drivers who own standard vehicles. This difference in premiums is because specialty vehicles often require special parts, special services, and have higher repair costs than regular cars. So, if you are the proud owner of a fancy sports car, you will also be on the hook for higher insurance costs.

  • You Have a Bad Driving Record

Finally, if you have a history of receiving traffic violations or filing insurance claims, you will be considered a reckless driver. Because you are riskier to insure, you will have higher insurance rates. If you want to get access to lower insurance premiums, focus your efforts on keeping your driving record clean. As time goes on, you should expect to see your insurance rates drop.

These are some of the reasons why your auto insurance seems so expensive.  Do you have other questions regarding your auto insurance?  Turn to the professionals at Miller Carlisle Insurance Services.  Our dedicated team is ready to assist you with all your insurance needs.  Contact us to get started today.

Figures that Matter to Your Home Insurance

Learn about some of the figures and values that affect your homeowners insurance.Figures that Matter to Your Home Insurance

As a homeowner, it’s important that you have the right insurance protections in place. However, with all the different policy types out there, it can be difficult to figure out which coverage options best fit your needs. Part of choosing the right insurance is understanding the various values that are relevant to your coverage. Here are two of the figures that are important to your homeowners insurance coverage.

Replacement Cost Value

This term refers to the amount of money it would take to rebuild your home if it was completely destroyed. This value takes into account the cost of labor, the cost of building materials, and the cost associated with bringing your home up to code. This value also represents the maximum amount of compensation that your insurance policy will offer for your home. This is why it’s incredibly important to correctly estimate your home’s replacement cost value. If you estimate this figure too low, you will be financially responsible for any claim that exceeds your policy limit.

Value of Your Personal Belongings

Most standard homeowners insurance policies offer coverage for damaged or stolen personal possessions. Generally, you should try to find a policy that will cover about half of the value of all your belongings. The best way to determine the value of your possessions is by completing a detailed home inventory that lists the replacement values of all of the possessions inside your home. Once you have a clearer understanding of how much your personal belongings are worth, you can determine if your homeowners insurance policy is offering you the coverage that you need.

These are two of the important figures that are relevant to your homeowners insurance.  Do you have further questions regarding your home insurance?  Direct them to the experts at Miller Carlisle Insurance Services.  Our highly-trained professionals are ready to assist you with all your coverage needs.  Contact us to get started today.

Using Smart Home Technology to Secure Your House

Here are some of the new smart technologies that can help you protect your home.Using Smart Home Technology to Secure Your House

New technologies have been revolutionizing the home security industry.  From smart home security systems to mobile applications that allow you to control your home remotely, homeowners have quite a few options at their disposal.  Here are some of the new technologies and how they can help you better protect your home.

Home Security Systems

New smart home security systems are a great way to protect against risks such as intruders and fire.  Not only will they set off an alarm when an unauthorized person attempts to enter your home, but they can also contact the authorities if an emergency situation arises.  Additionally, most of these new systems are equipped with surveillance capabilities that allow you to monitor your home even while you are away.

Doorbell Cameras

Another system that can help you take care of your home is a doorbell camera.  These are motion activated cameras that are placed near your doorbell.  These cameras allow you to screen who is at your front door before you answer it.  Additionally, because these cameras usually work in tandem with your smart phone, you can investigate any suspicious activity at your front door no matter where you are.

Mobile Applications

Finally, there are many new mobile applications that allow you to control your home’s various functions.  For instance, there are apps that allow you to lock your doors, turn on your lights, or even adjust your home’s temperature.  These apps can be used to employ emergency security actions (such as locking your door) and can even be used to give the impression that you are home even when you are away.  This will ensure that your home does not become an easy target for opportunistic criminals.

These are some of the smart technologies that will make it easier to protect your home.  Want another way to keep your home safe?  Make sure you have the proper home insurance protections in place.  To find the right policies to fit your needs, contact the team at Miller Carlisle Insurance Services.  Our highly-trained professionals are ready to get you the coverage you need today.

Common Insurance Terms Made Easy

Here are some of the most commonly used insurance terms defined for your benefit.Common Insurance Terms Made Easy

Trying to make sense of your insurance is hard enough without the added confusion of industry-specific jargon.  If you’ve struggled with unfamiliar insurance terms in the past, you are certainly not alone.  Here are the definitions to some of the most commonly used terms to help you out.

Additional Insured – Any person or party, aside from the policyholder, who is added to the policy so that they will receive coverage under the policy.

Claim – A request by the policyholder for insurance compensation.  For instance, if you got into a car accident, you would file a claim requesting your auto insurance to kick in.

Conditions – The portion(s) of an insurance policy that explains the responsibilities of the insured and the insurance provider.

Deductible – The amount the policyholder agrees to pay before insurance coverage kicks in for an insured loss.  For instance, if you assume a $500 deductible on your homeowners insurance and your home was damaged, you would have to pay this amount before your insurance coverage kicked in.

Endorsement – Also known as a “policy rider,” this is any change made to an existing policy that alters, deletes, or adds coverage.

Exclusion – A provision in a policy that excludes or limits certain coverages.

Named Insured – The person or entity specifically covered by an insurance policy.  This person is also referred to as the policyholder.

Named Perils – Also known as specified perils, these are covered hazards that are specifically listed in an insurance policy.

Premium – The amount of money an insurance provider charges in exchange for providing coverage.

Use these definitions to make your insurance easier to understand.  Do you still have questions regarding your coverage?  Don’t hesitate to turn to us at Miller Carlisle Insurance Services.  Our highly-trained team is ready to assist you with all your insurance needs.  Contact us to get started today.

Factors That Help Your Insurer Determine Fault

Here are some of the things your insurer will rely on to determine fault after an accident.Factors That Help Your Insurer Determine Fault

While most car accidents are unintentional, your auto insurer still has to determine which driver was technically at fault.  As they attempt to piece together what happened, your insurer will take different things into consideration.  Here are some of the factors that they will use to help them determine fault.

Official Police Report

After an accident occurs, an official police report will be released revealing the police’s findings and what they believe occurred.  This report has the most influence on your auto insurer’s decision.  Your insurer places so much weight on their report because it tends to be more reliable and less biased than the accounts of the drivers that were involved in the crash.

Your Evidence

While important, the official police report isn’t the only piece of evidence that your insurer will consider.  They will also take into account the evidence you supply.  For instance, the photos that you take of the accident scene and the photos of your vehicle can be used to establish degree of fault, and can also back up your own account of what happened.

Remember, your insurance provider will work hard to establish fault as objectively and accurately as possible.  In the meantime, it’s important that you do not admit fault for the accident.  You should cooperate with the police and other driver, but you should not elaborate more than you are asked to.  Even if you are sure that you were the one at fault, let the police investigate for themselves.  It’s possible that the accident was actually caused by something you were unaware of.

These are some of the factors that your auto insurer will take into account as they attempt to establish fault.  Do you have more questions regarding you auto insurance coverage?  Don’t hesitate to contact us at Miller Carlisle Insurance Services.  Our dedicated professionals are ready to assist you with all your insurance needs.

Tips for Driving in Unfamiliar Cities

Try out these suggestions as you navigate a new city.Tips for Driving in Unfamiliar Cities

Driving in an unfamiliar city can be stressful for even the most experienced drivers.  Fortunately, there are steps that you can take to put yourself at ease.  If you are attempting to navigate through a new city for the first time, try out these suggestions to help you stay safe.

  • Stay Vigilant

The majority of pedestrian and bicyclist fatalities take place in urban settings.  This is why you need to be hyper-vigilant about foot and bike traffic as you drive through the city.  Because you are not familiar with the streets, you have a higher chance of becoming distracted and forgetting about those around you.  If you feel yourself becoming overwhelmed, take a moment to pull off the road and collect yourself.

  • Research

While many drivers simply rely on their GPS to help them navigate, when you are traveling through a new city, it’s better to research your routes and destinations before you set out.  Not only will this help you drive more confidently, but doing research beforehand can also help you figure out things like parking and traffic.

  • Consider Alternative Forms of Transportation

Many urban areas boast reliable public transportation systems.  Additionally, when you are in a city, many things tend to be within walking distance.  This is why you should consider ditching your car and traveling through the city using alternative forms of transportation.  Not only will this remove the stress of trying to navigate an unfamiliar place, but it will also allow you to take in your surroundings in a more leisurely way.

Try out these suggestions to help you safely drive through an unfamiliar city.  Want another way to stay safe on the road?  Make sure you have the right auto insurance coverage to meet your needs.  To find the right policy for you, don’t hesitate to contact the professionals at Miller Carlisle Insurance Services.  Our team is ready to assist you will all your coverage needs.

Surprising Fire Hazards Around Your Home

Watch out for these unexpected home fire hazards.Surprising Fire Hazards Around Your Home

While you probably know about major fire hazards like an unattended stove or a precariously placed candle, there are many other threats that can increase your chances of a house fire.  Keep your home, belongings, and loved ones safe by watching out for these unexpected fire hazards.

Dust Accumulation

Piles of dust make for extremely flammable fire kindling.  This is why dust build up around your home constitutes a serious fire risk.  You should be especially concerned about accumulations of dust near electrical outlets.  All it takes is one rogue spark to set a dust bunny aflame.  Luckily, it’s very easy to mitigate this risk.  All you need to do is clean your home thoroughly and be especially careful to clear away the dust in hard-to-reach places such as behind your fridge or washer and dryer.

Oil-Stained Linens

While rare, clothes that are stained with cooking oil, grease, or gasoline have been known to catch on fire when going through the dryer.  Normally, running oil-stained linens through the wash a couple of times is enough to mitigate this risk.  However, you can also just throw away these linens if you want to be on the safe side.

Stacks of Newspaper/Magazines

Finally, if you have stacks of old newspapers lying around your home, these can increase your risk of fire.  In fact, stacks of newspapers placed near gas tanks, vents, space heaters, and electrical outlets have been the cause of more house fires than you would think.  To prevent this from becoming an issue, make sure that you recycle old periodicals to stop them from accumulating in your home.

Protect against the risk of fire by watching out for these unexpected fire hazards.  Want another way to protect your home?  Make sure you have the proper home insurance protections in place.  To find the right policies to fit your needs, contact the experts at Miller Carlisle Insurance Services.  Located in Carlisle, Pennsylvania, our dedicated team is ready to assist you with all your insurance needs.

How to Get More Steps Every Day

Learn how you can sneak more exercise into your daily life.How to Get More Steps Every Day

In today’s busy world, it can be difficult to make time for exercise.  However, getting enough physical activity is an important part of staying strong and healthy.  Want to get more exercise without dedicating too much extra time to it?  Try out these tips to get more steps every day.

  • Ditch the Elevator

One of the easiest ways to get more exercise every day is by taking the stairs instead of the elevator.  By taking the stairs up to your office in the morning and using the stairs to travel between floors during the day, you can ensure that your blood is flowing and your heart is pumping.

  • Walk to Work

If you live close to your job, consider walking to work.  While you will have to leave earlier to get to the office on time, starting out your day with a brisk walk will definitely have a positive impact on your health.  If you live too far away to commute to your office by foot, consider other options.  For instance, instead of driving to a nearby restaurant for lunch, consider walking there instead.  Little changes such as this are a great way to work more exercise into your daily schedule.

  • Work Out at Home

Exercising doesn’t need to happen at the gym.  In fact, there are a lot of exercises that you can do in the comfort of your own home.  For instance, you can do a quick yoga session in your living room or do lunges and squats as you are waiting for your dinner to cook in the oven.  In fact, you can even work on your abs or do some free weights during the commercial breaks when you’re watching tv.

Getting more physical activity doesn’t require a huge time commitment; it simply requires you to use your time more efficiently.  Want another way to take care of your health?  Make sure you have the right health insurance coverage to address all your health needs.  To find the right policies for you, contact the experts at Miller Carlisle Insurance Services.  Located in Carlisle, Pennsylvania, our dedicated team is ready to get you covered today.

Who is Covered by My Car Insurance?

Find out who is protected by your car insurance.Who is Covered by My Car Insurance?

While many car owners are generous with their vehicles, you should understand the coverage limitations of your auto insurance before you lend your car out freely.  Here is who your auto insurance covers and how far your coverage extends.

Immediate Family

Normally, your immediate family members who live under the same roof as you are covered under your auto insurance.  This means that your spouse, children, and siblings are all safe to use your car, so long as they are doing so with a valid driver’s license.

Extended Family and Friends

Your extended family members and friends are typically covered by your insurance due to the rule of permissive use.  Essentially, permissive use states that any driver is covered under your policy, so long as they have your express permission to use your vehicle.  However, you should be aware that drivers protected under permissive use have lower liability limits than drivers that are explicitly listed on your policy.  Additionally, permissive use only applies to drivers who use your car for short, infrequent periods of time.  If a family member or friend is intending to use your car more regularly, you should add their name to your policy to ensure that they have proper coverage.

Boyfriend/Girlfriend

If you and your significant other live separately, they are likely covered under permissive use much like your other friends.  However, if you live together, the situation changes slightly.  In this case, it’s better to list your boyfriend or girlfriend on your policy to ensure that they are covered.

These are the people who are covered under your car insurance.  Do you still have questions regarding your auto insurance coverage?  If so, don’t hesitate to contact us at Miller Carlisle Insurance Services.  Our knowledgeable professionals are ready to assist you with all your coverage needs today.