Renters & Auto Insurance
Protecting Tenants, Drivers & Autos in Spring House and Macungie, PA
Oftentimes referred to as “renters or tenants” insurance provides protection where your landlord’s insurance policy does not. It protects your furniture, televisions, laptops, computers and public liability protection as well. Auto insurance protects your vehicle, your legal liability for harm caused to passengers and other persons, medical expenses for your injuries and “loss of use” risk exposures. Renter’s and Auto insurance will be designed to protect your individual risks for property you own, legal liabilities towards others that are required by law, “no-fault or defined benefits” required by your state of residence and financial costs associated with the “loss of use” of your home or auto. Combining auto and renters insurance can help you consolidate bills, save money, and increase coverage limits.
At Miller Insurance Associates we have tailored comprehensive renters and auto insurance plans that can be packaged together, making your life easier and affording you many additional premium discounts, such as “agreed value” on jewelry items, safety discounts, backup of water damage loss, multiple car discount, diminishing deductible discount, loss free and good driver discounts, electronic “paperless” discounts, good student discounts and many more. Any of our licensed agents from Miller Insurance Associates will help you pick the right coverage, optimize your policy for maximum benefit, and provide ongoing support throughout the life of your policy. Contact an agent to learn more or even to get started.
Specialized Coverages For You
Renters coverage is often minimal compared to homeowners insurance because structures and general property elements are covered by landlords. The personal property you own situated in your rented apartment is your responsibility to protect. Renters insurance is often very inexpensive and when your premium is spread over an entire year, your monthly premium is equivalent to the same price as that of a latte at most coffee shops. When combined with auto insurance, renters insurance costs are even lower. The personal property items that you own, as indicated below, are protected against risks of physical loss in your renter’s insurance, such as:
· Laptop Computers
· Kitchen Appliances
If an insurable loss requires you to vacate your premises and live at a temporary location, resulting in “additional living expenses,” your renter’s insurance will reimburse you. If you own a pet that injures a guest while visiting, your renter’s insurance will protect you. Tailoring a plan of insurance protection for your unique risks, could also include a personal umbrella insurance plan, which will increase your legal liability insurance limits, providing an additional layer of legal liability protection over your legal personal and auto liability protection included within your renter’s and auto insurance policies, as well as “peace of mind” and reduced “worry value.”
For auto insurance custom-tailored coverage plans protect many risk exposures. Keep in mind that we are routinely in an auto every day of our live.
The coverages and protection available to you as an auto insurance policyholder of our agency include:
· Legal Liability Coverage – Bodily Injury & Property Damage Liability
· Windshield Loss, Fire and Theft of your Auto
· Collision Damage to your Auto
· Uninsured & Underinsured Motorist Coverage
· 1st At Fault Accident Forgiveness
· First Party Medical Coverage
· Roadside Assistance
· Towing and Rental Reimbursement
· 24-Hour Customer Service
Combined Coverage Benefits
As a multi-line policyholder of our agency, you can earn discounted rates when you package 2 or more insurance policies with the same insurance company. Many of our auto insurance companies also offer an “annual term” policy, not a 6 month term, which gurantees your auto rates for an entire year.
Combining your renters and auto insurance policies with the same insurance company will lower your insurance premiums. In addition to these benefits, you’ll also be able to take advantage of discounts for having interior sprinkler systems, smoke alarms, and burglar alarms in your apartment residence. You’ll even save if there’s a 24 Hour security guard monitoring visitors and guests that enter or leave your apartment building complex.
As an auto policy owner, you’ll even benefit from having anti-lock brakes, anti-theft devices and for driving an economy car. There are more benefits to which you may be entitled; just ask your agent if you can apply these benefits.
Working with Miller Insurance Associates
At Miller Insurance Associates you can expect the following:
- To be treated as a “High Value” Client
- Expect a High Level of Claims Expertise and Service
- A Simplified Household Insurance Solution
- A “Worry Free” Experience & Peace of Mind
- The “Best Insurance Protection” that is Affordable
- A specially Tailored and Comprehensive Insurance Plan of Protection
At Miller Insurance Associates we are proud to deliver combined renters & auto insurance in Spring House, Macungie, Collegeville, Ft. Washington, Gilbertsville and other areas of PA, as well as in New Jersey, Maryland, Delaware, New York and Virginia.