claims

23
Oct

I Got Hit By Someone Who Doesn’t Have Insurance – Now What?

According to a recent study by the National Association of Insurance Commissioners, approximately one out of every 8 drivers in the United States are uninsured. That’s a staggering figure when you think about your chances of being struck by one.  So, what can you do to protect yourself from an uninsured driver? The good news is there is a line

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15
May

Does Your Classic Car Insurance Match Your Use & Needs?

Many of us collect classic cars and for good reason – they’re valuable assets and they’re fun! Regardless of what you collect or why you collect it, we all share a passion for these vehicles of the past. For those of us who are classic car enthusiasts we need an insurance policy that matches our use and ensures that the

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3
May

What Does Renters Insurance Cover and Is My Roommate Included?

As a local insurance agency, we are here to help with all your insurance questions.  When it comes to renters insurance, many people assume that since they are renting an apartment, home or condo, they are fully covered by their landlord if anything unfortunate occurs. Your landlord’s insurance policy should cover any damage to the property itself but, it will

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5
Mar

A Checklist to Complete If You’re Leaving Your Home for Vacation

Whether you are a snow bird who flocks to warm weather in the winter or you’re taking a vacation, you should always protect your home while you’re away. The last thing you want to hear while vacationing is that a pipe burst or your home was burglarized. Follow these simple steps to ensure your home is safe while you’re away.

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7
Feb

Which one is best for your homeowner’s policy: actual cash value or replacement cost value?

Insurance policies are full of language and terms that may not be clear right off the bat. Many terms are specific to the industry and to the specific type of insurance that is being purchased. Having a local insurance agent for all of your insurance coverage allows you to chat about all the details with your agent so you completely

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21
Nov

This One Quick Tip Can Get You Your Stolen Bicycle Back

According to the National Bike Registry, 1.5 million bicycles are stolen each year. With college campuses being the biggest source of bicycle theft, it would be great if there was a way to protect your investment that was quick and easy. The good news is that more than 48% of bicycles that are stolen are recovered, but of those, only

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29
Sep

Protecting Your California Home from Floods with Flood Insurance

According to FEMA, flood claims occurred in every state in our country in 2016 with the average claim cost in excess of $31,000. Just because your property doesn’t sit next to a stream, river or other body of water doesn’t mean you won’t be impacted. Heavy rains can overwhelm drainage systems, run-off from hillsides can seep into your basements and

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7
Jun

Do You Know What Determines Your Car Insurance Rate in California?

We bet you’ve wondered how car insurance premiums are calculated. Do you ever have discussions with friends of similar age and driving history and find you’re all paying very different premiums for what would appear to be similar coverage? Insurance premiums are based off of many factors, all of which play a role in your total premium for your auto

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22
May

Hosting a Special Event This Summer? Consider a Special Event Insurance Policy.

Planning a wedding or a special event can seem like a full-time job. Between determining your guest list, vendors, food choices and the small details, there is so much to consider to make your dream wedding or event perfect. The last thing you think about is having an insurance policy for your special event. A special events insurance policy acts

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26
Apr

Understanding Auto Insurance Premium Increases

Many of you may have noticed that the auto insurance industry seems to be continually increasing premiums. While Mills Insurance Services represents many of the top insurance companies in the country and we can quote you with several companies, the trend for premiums is up. There are many reasons why this is happening and it is important for you to understand.

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