Gun Safety in Carlisle, PA!

Gun Safety in Carlisle, PA!

4 Questions to Ask If You Keep Guns in the House.

There are an estimated 300 million firearms in U.S. homes, and, logically, the more guns there are, the chances for gun-related incidents greatly increase. “It will never happen in my home,’ says every gun owner before it happens in their home. If you own a gun, and you keep it in your house, ask yourself these questions to prevent a gun-related accident.

  • Is my firearm locked and loaded? Whenever you are not using your gun, your gun should be unloaded and placed in a secure location, away from child access.
  • Where’s the ammo? Keeping your ammunition separate from the gun itself is a way to greatly reduce an accident. Especially if the ammunition is locked.
  • How much does my family know? Everyone in the house should know that you are keeping a firearm. And remind your children never to touch guns—no matter whose house they are in.
  • Does my insurance cover me? Homeowners policies may cover accidental and negligent acts, but they generally do not cover intentional ones. Meaning, if you shoot someone, even in self-defense, you won’t be covered .

With accidents like these, you want to make sure that all your guns are covered—otherwise you could end up being in loads of trouble. Instead, ensure that you will not face hardship from an accident. You can buy that peace of mind! For your all-encompassing  insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!

Did You Know Homeowners Insurance Covers Additional Living Expenses?

Did You Know Homeowners Insurance Covers Additional Living Expenses?Your homeowners insurance policy offers an additional protection: additional living expenses.

As a responsible homeowner and family member, you’ve purchased a homeowners insurance to protect the equity you’ve built in your home and to safeguard your family against financial burden. That policy would step in after a disaster, helping you rebuild and replace your personal property, ultimately preserving your quality of life.

If you’ve thought through that full scenario, though, you’ve probably realized there’s another expense your family could face. While your home is being rebuilt, you may need stay in a hotel. As that bill adds up, could you handle it?

You won’t have to! Your homeowners insurance policy contains additional living expenses coverage, which will not only cover the housing costs you incur while unable to live in your home, it can even pick up the tab for the extra money you spend on food without your kitchen!

To learn more about how your additional living expenses coverage can protect your family, contact Miller Insurance Associates. Our Carlisle, Pennsylvania team is here to make sure you know how to make the most of all the benefits your homeowners insurance policy offers!

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.

How To: Make Your Home Inventory

Homeowners Insurance Carlisle PAMake Your Homeowners Insurance More Effective With A Home Inventory

If a fire takes your home and everything in it, would you be able to replace all of your personal possessions? If you cannot remember what you had, probably not. To make sure that you can rebuild to the same quality of life, create a home inventory, or a list of all of the items in your home. So you can protect your personal property, use these home inventory tips.

  • Capture Pricing: When you file your claim after a disaster, it will be much easier to secure a full reimbursement if you have accurate information about the value of each item. This can be as simple as keeping receipts and credit card statements for everyday items. Get professional appraisals of valuables like art and jewelry. Add all of this information to your inventory.
  • Take Photos: It can be tedious to write every single item down, but photographs can help you capture anything you missed in writing.
  • Store It Digitally: To ensure your inventory is not destroyed in a catastrophe that takes your home, store it online.

Are you working with an insurance agent who is advising you on the best ways to protect your home? Contact Miller Insurance Associates in Carlisle for all of your homeowner’s insurance needs in Pennsylvania.