Do I Have Enough Personal Liability Insurance?

Is your homeowners policy offering you enough liability protection?Do I Have Enough Personal Liability Insurance?

When you secure a homeowners insurance policy, it actually consists of four main coverages: property coverage, personal property coverage, loss of use coverage, and personal liability coverage. Your personal liability coverage is what will offer financial protection in the event that an accident takes place on your property, or if you are found responsible for third-party injuries or property damage. As personal liability issues tend to result in the most expensive claims, it’s important to ensure that you have adequate protection. Here’s what you need to know about securing the comprehensive personal liability insurance that you need.

Do I have adequate coverage?

When it comes down to it, there is no set amount of liability coverage that you need to carry. Because everyone has different risk factors, everyone has different liability insurance needs. The amount of coverage that you carry is dependent on a series of individual factors. For instance, if you own a pet, have a swimming pool, or have a trampoline on your property, you would need more coverage than someone who does not. Additionally, your coverage limits should increase along with your income, investments, and home property value. To determine exactly how much liability protection you need, speak to a trusted insurance agent today.

Can I increase my coverage?

If you would like to secure more personal liability insurance, you have some options. You can speak to your insurer and have the personal liability coverage limits on your existing homeowners policy increased. This is convenient if you only want to increase your coverage a little. If you would like a more comprehensive insurance solution, you should secure a personal umbrella policy. This type of insurance offers coverage in the event that a liability claim exceeds your existing coverage limits or is not covered under your policy. Investing in an umbrella policy is a great way to fill your liability coverage gap.

This is what you need to know about securing the right amount of personal liability coverage. Do you have further questions regarding your liability or homeowners insurance? If so, contact the experts at Miller Carlisle Insurance Services. We are ready to assist you with all your coverage needs today.

It’s Snowing—What Does My Home Insurance Cover?

From ice damage to snow removal, here’s what you can expect from your homeowners insurance this winter.It’s Snowing—What Does My Home Insurance Cover?

If you live in an area that routinely experiences snowfall and freezing temperatures, you know that these extreme weather conditions pose a considerable risk to your home. While you probably have homeowners insurance in place, you might not know what your policy covers. Here’s what your home insurance will and will not cover this winter.


Luckily, standard home insurance offers a wide array of coverages that may come in handy this winter. For instance, your homeowners policy will offer coverage for the damages that your home and personal possessions sustain during a storm. This includes the damages caused by lightning strikes and wind. Here’s a list of some of the things your home policy will cover this winter:

  • Damage caused by hail
  • Damage caused by wind
  • Damage caused by fallen trees
  • Damage caused by the formation of ice dams
  • Damage to your home’s roof
  • Damage caused by frozen and burst pipes (Note: this coverage doesn’t always come standard)

In addition to this coverage, your policy will also offer you personal liability coverage and loss of use coverage in the event that storm damage is so extensive that you are forced to temporarily live elsewhere.

Not Covered

While your homeowners insurance does offer you a relatively comprehensive list of coverages, you don’t have coverage for every risk that your home faces. For instance, if snow accumulates on your roof and on your property, your insurance will not offer coverage to take care of its removal. Snow removal is seen as the homeowners responsibility and therefore not under your insurer’s jurisdiction. The only time you may have coverage for ice and snow removal is if it needs to be removed as part of a covered repair. Even in this scenario, policyholders may have to pay for this removal out of pocket.

Another major risk that your homeowners insurance will not protect against is flood damage. If you would like to secure coverage against flood damages to your home, you will need to get a specialty flood insurance policy.

This what your homeowners insurance will and will not cover this winter. Are you looking to secure the right coverages to protect your home and belongings? Don’t hesitate to contact the experts at Miller Carlisle Insurance Services. Our expert team is ready to get you covered today.

Things That Can Void Your Homeowners Insurance Coverage

Avoid these activities that could result in your home insurance policy being cancelled.Things That Can Void Your Homeowners Insurance Coverage

If you have homeowners insurance coverage, you might assume that you will always have this coverage so long as you continue to pay your premiums. Unfortunately, this isn’t completely accurate. There are certain things you can do that could lead to your home insurance policy being cancelled. Here are some of the things you need to avoid if you want to keep your coverage.

Committing Insurance Fraud

If your home insurance provider uncovers instances of fraud, they have the right to cancel your policy. Usually, fraud is committed when you lie on your insurance application or provide misinformation to your agent. For instance, if you were to report that your home was a single-family dwelling but there were multiple families living there, you would be flagged for fraud and your policy likely rendered void.

Filing Claims too Frequently

Filing too many claims in a short amount of time could also result in the cancellation of your policy. Usually, filing a homeowners insurance claim is a rare occurrence. However, if you file multiple claims back to back, this could cause your insurer to categorize you as a high-risk homeowner. If you are considered too risky to insure, your insurer has the right to cancel your policy.

Committing Illegal Activities

Finally, committing illegal activities within your home will result in a denial of coverage. It’s important to note that you will lose coverage even if you are not aware that these activities are taking place inside your home. Almost every homeowners insurance policy will include a clause explaining what will happen in the event that illegal activities are uncovered.

These are some of the things that can result in your homeowners insurance policy being declared void. Do you have additional questions regarding your home insurance? Don’t hesitate to contact the team at Miller Carlisle Insurance Services. We are ready to work with you today.

Fall Home Checklist

Take care of these tasks around your home to help you avoid costly damages this fall.Fall Home Checklist

With fall right around the corner, it’s important to prepare your home for this change in seasons. By taking care of routine home maintenance tasks now, you can avoid serious and potentially expensive damages in the future. Here are some of the tasks you should complete to ready your home for fall.

Inspect Your Roof

For many homeowners across the country, the beginning of fall ushers in stormier, wetter weather. This weather can wreak havoc on your home’s roof and cause serious structural and interior damages. To ensure that your roof is ready to

handle this onslaught, inspect it and repair any damaged or worn sections. For instance, you should look for areas of your roof that feature damaged, loose, or missing shingles. By taking the time to repair these damages now, you can ensure that your roof and home do not experience more serious damages when met with inclement fall weather.

Clean Out Your Gutters

During the long summer months, dried leaves, dust, and other debris likely accumulated in your home’s gutters. While this may not seem like a major issue now, this debris can cause your gutters to become clogged and start to overflow in heavy fall rain. This can lead to water damage to your roof and your home’s foundation. To prevent these issues from arising this fall, take the time to clear out your home’s gutters.

Trim Your Trees

If you have tree branches overhanging your home, walkways, and driveway, it’s important that you cut back these branches before fall weather sets in. If you leave these branches, they might cause damage to your property or fall on your loved ones as they sway and break off in windy or stormy conditions. Rather than assuming this unnecessary risk, simply be sure to trim your trees now.

These are some of the fall home maintenance tasks that you should take care of as soon as possible.  Want another way to keep your home safe this coming fall?  Make sure you have the proper homeowners insurance protections in place.  For assistance with all your personal coverage needs, contact the team at Miller Carlisle Insurance Services today.

Should You Bundle Your Home and Auto Insurance?

Is a home and auto insurance bundle right for you?Should You Bundle Your Home and Auto Insurance?

While bundling your home and auto insurance together is generally a great way to save on both coverages, bundling isn’t always the best option for everyone. Need help deciding if you should bundle? Then here are some things that you should consider.

Are You Eligible?

If you live in an area prone to certain weather disasters, you might not be able to bundle your homeowners insurance with your auto or other insurance policies. So, before you spend too much time deciding whether you should bundle your insurance, make sure you are actually geographically eligible to do so.

Is each policy good on its own?

While most insurance companies sell various insurance products, sometimes one insurance offering is superior to the others. For instance, an insurer might offer particularly good service when it comes to auto insurance, but their other insurance products might be lacking in comparison. Before you decide to bundle your home and auto insurance, it’s important to consider each policy individually. If you find that one does not meet your standards, you should not bother bundling.

What are my overall benefits?

Finally, you need to compare the features, deductibles, and premiums for each policy. Oftentimes, discounts in one area distract from higher costs in another. Additionally, it’s important that you do not get too caught up in the amount of projected savings. While it’s great to save on your insurance, you should not sacrifice service or coverage to do so.

These are some of the things you should consider before deciding if a home and auto insurance bundle is right for you.  Are you looking for assistance with your home or auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your insurance needs today.

Easy Ways to Make Your Home Safer

Take these precautions around your home to improve its safety.Easy Ways to Make Your Home Safer

Everyone wants to make sure that their home is safe for their loved ones. Luckily, there are many easy and affordable ways to improve your home’s safety. Here are some of the precautions you can take around your home to make it safer for your family.

Prevent Slips in the Kitchen

When water puddles in front of your sink and fridge water dispenser, it significantly increases the risk of someone slipping and hurting him or herself. Luckily, addressing this risk is very easy. Simply placing a floor mat in front of your sink and fridge will catch falling water and prevent it from becoming a danger to your loved ones.

Inspect Your Stairs

If your home has stairs, this can pose a risk for your family. It’s incredibly important to make sure that your stairs are sturdy to prevent fall risks. This is why you should check your stairs for any sections of loose or rickety railing, and go in and reinforce these areas. Additionally, if your stairs are made of hardwood, tile, or another potentially slick material, consider covering them in carpeting to reduce the risk of falling.

Check Your Smoke Alarms and Carbon Monoxide Detectors

The best way to protect your family against the risk of fire and carbon monoxide poisoning is by making sure that your smoke alarms and carbon monoxide detectors are functioning properly. You should check both types of detectors annually and make sure that you replace their batteries during your inspection. Additionally, you should completely replace both types of detectors every 10 years to ensure that they have updated safety features.

These are some of the precautions you should take around your home to improve its safety.  Want another way to protect your home and everyone inside it?  Then make sure you have the right homeowners insurance coverages in place.  For assistance with your coverage, contact the experts at Miller Carlisle Insurance Services.  We are ready to get you covered 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.