Homeowners Insurance
For most people, your home is the largest purchase you will make in your lifetime. At Miller Family Insurance, we aim to help you protect it. We can help you to understand the different types of homeowners insurance policies available, and the options associated with each. Homeowners insurance can cover things such as weather and fire damage, theft, personal injury, and more. However, some additional endorsements may be needed to cover specific events or items. At Miller Family Insurance, we can help you get the exact policy you need, with the endorsements perfect for your personal situation.
Generally speaking, homeowners insurance policies are a package of a group of coverages, rolled up into one payment. Section one of your policy describes the coverages on the building, contents such as clothing or furniture, and liability insurance. Section two of your policy shows the liability insurance in effect on your policy.
Feel free to give us a call, and we can review your existing policy, at no charge, to let you know if you are covered properly, or where you may have a shortfall in your existing homeowners insurance policy.
Renters Insurance:
Personal Property
Renters insurance is similar to homeowners insurance in that it protects you in the event of many of the same events.
Personal Liability
Your renters insurance policy helps to cover your personal liability if your apartment is broken into, you injure somoeone, you have a party and someone slips and fallsin all these events and more.
Landlord Insurance:
If you have a dwelling that someone else living in, it needs to be insured on a landlord policy. A traditional homeowners insurance policy will not cover a home you do not live in.
Condo Insurance:
Condos are a very special situation from an insurance standpoint. The condo association will have a master policy which covers the property, physical structure, and common areas of the building. This master policy will not cover your possessions, or your legal liability to people injured in your condo. It also may not cover improvements you've made to your specific condo unit.
Mobile Home Insurance:
An insurance policy is just as essential for a mobile or manufactured home as it is on any other home. It is very similar to other homeowners insurance policy as it covers you in damage from specified perils such as fire, wind- or hailstorm, smoke, damage to trees, shrubs, and lawns, lightning, theft, vandalism, explosion, landslide, and more.
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service that meets & exceeds expectations
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We also offer the following add-ons
Earthquake Insurance:
Earthquake insurance is a separate endorsement added to your policy. A loss due to an earthquake frequently it is a total loss and it is not unusual to see high deductibles.
We believe that everyone should carry flood insurance, whether or not you live in a flood zone. The situations that can cause flooding, such as heavy rain, melting snow, or severe coastal weather, can happen in areas that are not considered high flood risk areas. If you do live in a flood zone, the bank that holds your mortgage may require you to carry flood insurance.
UMBRELLA INSURANCE:
An umbrella insurance policy is additional coverage over and above what's included in your current home and auto insurance policies.
Personal Article Floater
A Personal Article Floater to protect yourself for these higher value items. PAF policies can be purchased separately for the specific valuables. They often have no deductible if there is a loss.
Home Type may be Optional, but insurance is ESSENTIAL.
Protect
Your
future.
Miller Family Insurance LLC
Miller Family Insurance covers needs of Niles, Girard, McDonald, Mineral Ridge, Warren and surrounding areas. We offer personalized service when it comes to choosing home and auto insurance, along with your other coverage needs. With our staff's 34 plus years of property and casualty insurance industry experience we are confident we can fill your coverage needs. Your trust and faith are of the utmost importance to us.
Sincerely,
Violet Miller Gizdic
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