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.

Observe American Heart Month

Try out these suggestions to celebrate American Heart Month.Observe American Heart Month

February marks the start of American Heart Month, a campaign that asks Americans to take a more vested interest in their heart health.  As cardiovascular disease remains the number one cause of death in the United States, it’s more important than ever to make healthy changes for the benefit of your heart.  This February, take better care of your health by trying out these suggestions.

See Your Doctor

This February, you should schedule an appointment with your doctor.  Ask them to run all the necessary tests to help them get a clear understanding of your overall health.  After the examination, work together to create a long-term health plan.  Make sure you ask any questions that you might have; you should understand all the reasoning behind your doctor’s recommendations.

Break Bad Habits

If you are a smoker, you are putting your heart in danger every time you light up a cigarette.  Additionally, if you drink regularly, you should be aware that excessive consumption of alcohol can also cause your heart health to deteriorate.  This month, make an effort to break these bad habits for the sake of your heart.

Maintain a Healthy Diet and Exercise Regimen

Finally, you should also do your best to make healthy lifestyle changes this month.  To start, you should avoid consuming fatty, cholesterol-heavy foods.  Instead, try to incorporate heart healthy foods such as fish, nuts, oats, and fresh produce into your diet.  You should also be making an effort to exercise regularly.  Getting at least 30 minutes of aerobic activity a day should be enough to keep your heart healthy and strong.

Try out these suggestions to take better care of your heart this February.  Want another way to make your health a priority?  Make sure you have the right health insurance coverage to meet all your 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.

Tips for Choosing the Best Employees

Learn how you can assemble a dream team for your business.Tips for Choosing the Best Employees

A good team of staff members could make or break your business.   That’s why it’s so important to make sure that you are hiring the right employees for your business.  Not sure how you can assemble the perfect team?  Here are some tips for hiring the best.

Focus on the Candidate, Not the Resume

When hiring, many employees get too caught up a candidate’s accomplishments and skill set.  However, the type of person you are hiring is often more important than their credentials.  Even if a candidate doesn’t have a lot of experience, if they seem like a good fit for your team and profess a willingness to learn, then you should give them a shot.  In most cases, choosing an employee based on their attitude and personality works out better than simply choosing the candidate with the most impressive resume.

Conduct an Investigation

Employee fraud can be absolutely devastating for your business.  That’s why it’s so important to make sure that you do a thorough background check on any of the candidates you are considering.  Check for any criminal records or undisclosed issues, and make sure you follow up with an employee’s previous employers to ensure that they don’t have any history of fraudulent behaviors.  Taking this extra precaution will protect you against hiring an employee who might hurt your business.

Offer a Trial Run

One of the best ways to ensure that you are hiring the perfect employee is by letting them work for a trial period.  During this time, observe how the employee interacts with other staff members, how they deal with client relations, and how strong their work ethic is.  Seeing an employee in action is often the best way to make sure you are hiring the best staff member for your team.

Try out these suggestions to help you assemble a dream team for your business.  Want another way to make your business thrive?   Make sure you have the right insurance coverage to protect you against any risk your business might face.  To get the policies you need, contact the experts at Miller Insurance in Carlisle, Pennsylvania.  Our dedicated team is ready to get you covered today.