Spring Clean Your Insurance Policies

Spring Clean Your Insurance Policies

This spring, aside from cleaning your home to perfection, make sure that you spring clean your insurance policies to pay only for what is necessary.

Spring may be the time in which we all take out our cleaning supplies, put on our apron and latex gloves, and clean our home to perfection. While spring cleaning is certainly important in its own right, there exists something else that requires your attention: your insurance policies. As your life changes, so do your insurance needs. When it comes to your insurance policies, you should make sure that you are only paying for what is necessary.

  1. Is your home covered for complete reconstruction?

Some people only have enough coverage to satisfy their mortgage payment. While it may appear like a sound plan, they are not considering the consequences of complete home-desolation. You have to remember the cost of clean-up, materials, and construction.

  1. Does your car really need comprehensive insurance?

If you’re driving a car that is worth less than $1,000, or less than 10 times that of the insurance premium, the amount you pay monthly may not really be worth it. You might want to consider dropping comprehensive or collision coverage from your policy to save money.

  1. Do you have enough liability insurance?

Auto and home insurance policies offer liability coverage which pays for bodily injury and property damage for which you are found at fault, or liable. Our society is a very litigious one, and it might pay to have additional coverage in case the accident is particularly bad.

Make sure that you are only paying for what you need when it comes to your insurance policies. Reviewing them at least once a year can save you hundreds. To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Assure Your Motorcycle Has Proper Insurance Coverage

Assure Your Motorcycle Has Proper Insurance Coverage

For motorcycle riders, spring signals a time to get the bikes out and hit the roads. But what about insurance?

When it comes to something as important as your motorcycle, it pays to have the proper policy in place. When the earth finally reaches that point in its orbit in which the northern hemisphere tilts towards the sun rather than away from it, spring has come. Like a moth to a flame, motorcycle riders almost instinctually ready their motorcycles and await that perfect spring day where they can finally come out of winter hibernation and ride on the roads once again. Before you go out and ride your motorcycle, you should know if you have the proper motorcycle insurance in place.

  1. The Required Coverages

Most states legally require all motorists to have an insurance policy in place. These laws usually require a minimum amount of liability, bodily injury, and property damage caused to other people if you are found liable for the accident. Underinsured/uninsured coverage may also be required to financially cover damages brought on by another driver who does not have enough or any insurance.

  1. The Optional Coverages

There are plenty of optional coverages which protect you from common dangers that motorcyclists encounter.

Collision – Covers the damage resulting from a collision with another vehicle.

Emergency Road Service – Covers the costs associated with roadside assistance and towing.

Comprehensive – Covers damage brought on by a non-traffic collision like fire, flood, falling object, and the like.

Accessories and Customizations – Covers the cost of replacing your accessories like safety and customized equipment that was added after the purchase of the motorcycle.

A quality motorcycle insurance policy can protect you and your bike from many unfortunate incidents! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Drone Insurance Q & A

Drone Insurance Q & A

Drones are a very neat piece of technology, but do you know if you’re covered should an accident occur?

If you or any family member owns a drone, it would be very smart to check with your homeowners insurance agent to check if you’re covered for any mishaps that may occur with your remote controlled flying contraption. These commonly asked questions should let you know what steps to take when inquiring about drones and insurance.

Q: If the child operates the drone, am I covered?

A: It depends. If the drone was a toy that was intended to be used as a hobby, you need to look at your homeowners insurance policy for any liability claims that could be made against you. Many policies would cover your liability if they were to injure a third party.

Q: What happens if the drone damages a car?

A: While often subject to a deductible, your coverage will protect you should you (or your child) lose control of the drone and damage a vehicle.

Q: If I intend to use my drone for business purposes, am I covered for that?

A: Probably not. Liability coverage is generally excluded from your homeowners insurance when it comes to your business. Speak to your insurance agent to see what commercial insurance is available for your drone.

We apologize for droning on about insurance, but it’s always best to be informed. Now go out and play! For all of your homeowners insurance needs to ensure you have the right liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Need Life Insurance After A Heart Attack?

Need Life Insurance After A Heart Attack?A few tips to help you get the life insurance policy you need after a heart attack.

It’s a common misconception that you can’t get life insurance after a heart attack. In fact, though, you can not only get coverage but, with a little hard work, can even get back to a standard rate! Here are a few tips for helping you get a life insurance policy after you’ve had a heart attack.

  • Listen To Your Doctor: After a heart attack, your doctor will have a number of things for you to do. If you can show your insurer that you are following a medical professionals advice to improve your health, they’re more likely to offer you coverage.
  • Know How To Reduce Your Risk: Your heart attack is just one of many factors your insurer will look like. By eating right, exercising, cutting out all tobacco products, maintaining a healthy weight, and reducing stress, you can show them your good lifestyle choices far outweigh this singular risk factor.
  • Wait: Sometimes, you just need to wait. Generally, your insurer will want to wait at least six months after a heart attack, though you may have to show a year or two of good health before securing a policy.

Fortunately, getting the life insurance you need becomes much easier if you have a dedicated insurance agent helping you. For that kind of service, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Are You Prepared For National Preparedness Month?

Are You Prepared For National Preparedness Month?Prepare your family for a disaster during National Preparedness Month.

September is National Preparedness Month, making it the perfect time to focus some time and energy on making sure your family is ready for a disaster. Here are just a few steps to making sure you’re ready for whatever comes.

  • Plan: As a family, sit down and talk about what you would do in the face of a disaster. Set up a meeting place in town to gather if you get separated, and designate one out of town in case your entire city as affected by the disaster. Have everyone commit a few emergency contact numbers to memory, too.
  • Create A Kit: Build a disaster preparedness kit but filling a bag you could quickly grab with water, nonperishable food, toilet paper, flashlights, a radio, batteries, a first aid kit, and other necessities.
  • Stay Informed: The more advance notice you have of a disaster, the better you’ll be able to respond. Make sure you have at least one source for receiving daily news about local weather and events.

A key component of preparing for a disaster is getting the insurance coverage you need. With the right policies, you can rest easy knowing your family can weather any storm with financial stability. To get the coverage you need in Carlisle and throughout Pennsylvania, contact Miller Insurance Associates!

Sun & Medication: A Bad Mix

Sun & Medication: A Bad MixIs Your Medication Making Your Eyes Sensitive To The Sun?

Did you know that there are a number of medications that can cause your eyes to become more sensitive to the sun? Antibiotics that contain tetracycline or floroquinolones, birth control, estrogen pills, and common pain relievers like Advil and Aleve can make your eyes hypersensitive to the sun.

This will not only leave you squinting in the sun, it can cause long-term damage to your eyes. Exposing your sensitive eyes to UV rays can cause macular degeneration, cataracts, and photokeratitis (sunburnt eyes).

To protect your eyes, choose sunglasses with 100 percent UV protection. That means that should block UV-A and UV-B rays. If you are going to be out in the sun for an extended period of time, increase your protection by wearing a hat with a brim that is at least three inches wide to increase your coverage. Finally, make sure that you are aware of any medications you might be on that might be increasing your eye’s sensitivity.

Does your health insurance include great vision care so you can protect your eyes this summer? To ensure you have the Pennsylvania coverage you need, contact Miller Insurance Associates in Carlisle today.

Caregiver Theft: What You Need To Know

Caregiver Theft: What You Need To KnowHow To Avoid Caregiver Theft

When you welcome a caregiver into your home, you give them an immense amount of trust. Not only are you allowing that person into your house and giving him or her access to all of your personal possessions, you are also relying on him or her to help you maintain your quality of life.

That is why it is especially disconcerting when a caregiver commits theft. Fortunately, there are some steps you can take to avoid this scenario.

Individuals, if you will not be hiring your caregiver through an agency, make sure you do thorough homework. First, make sure that any caregiver your hire has gone through a background test. Also, secure multiple references for him or her. If your caregiver cannot readily supply a handful of references, that should be a red flag.

Agencies, make sure your theft policy is clearly defined and communicated to your staff. Also, ensure your background check process is thorough and your bonding policy is up to date.

So you can be freed up to focus on finding the right caregiver, let the Pennsylvania insurance experts handle your coverage needs. Contact Miller Insurance Associates in Carlisle today.