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Louisville, KY 40220
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Understanding Personal Floaters for Guns and More

In our ever-changing world, it’s crucial to protect the things we value most. While homeowners or renters insurance typically cover personal property, some items require additional coverage to ensure adequate protection. One such category is personal floaters, designed to safeguard valuable possessions like guns and other high-value items. In this blog post, we’ll explore the importance of personal floaters and why they are essential for securing your valuable possessions.

  1. The Need for Additional Coverage:
    Certain items, such as firearms, jewelry, artwork, or collectibles, often surpass the coverage limits provided by standard homeowners or renters insurance policies. Personal floaters bridge this gap by offering additional coverage specifically tailored to the value and uniqueness of these possessions. They provide a financial safety net in case of loss, theft, or damage, ensuring you’re adequately protected.
  2. Customized Coverage for Guns:
    If you’re a firearm owner, you understand the significance of responsible ownership and protection. Personal floaters for guns provide specialized coverage that goes beyond what standard insurance policies offer. These policies can cover various scenarios, including theft, accidental damage, and even liability protection in case of firearm-related incidents. With personal floaters, you can have peace of mind knowing your firearms are safeguarded.
  3. Valuable Collections and Artwork:
    Whether you have a prized collection of rare coins, valuable artwork, or antique furniture, personal floaters can help protect these high-value possessions. They offer comprehensive coverage against theft, damage, or loss, considering the unique value and significance of your collection. With personalized coverage, you can enjoy your treasured items without worrying about their safety.
  4. Expanding Beyond Guns and Collectibles:
    Personal floaters extend their coverage to various other valuable possessions. From high-end camera equipment and musical instruments to sports equipment and luxury watches, these policies ensure your cherished belongings are adequately insured. By evaluating the value and importance of your possessions, you can determine the need for personal floaters and secure the necessary coverage.
  5. Consult with Insurance Professionals:
    Understanding the intricacies of personal floaters and selecting the right coverage can be challenging. That’s why it’s crucial to consult with experienced insurance professionals like the team at Palacio Miller Agency. We have the expertise to guide you through the process, assess your unique needs, and provide tailored solutions to protect your valuable possessions.

When it comes to safeguarding your prized possessions, personal floaters offer specialized coverage that goes beyond standard insurance policies. Whether it’s guns, valuable collections, or other high-value items, these policies provide the protection and peace of mind you deserve. Reach out to Palacio Miller Agency today to explore your options and ensure your most valuable possessions are adequately insured.

Protect Your Toys: Golf Cart, Jet Skis, 4-Wheelers

Are you a fan of outdoor adventures and recreational activities? If so, you likely own or have considered owning recreational vehicles such as golf carts, jet skis, or 4-wheelers. These vehicles provide endless fun and excitement, but it’s important to remember that they also come with unique risks. In this blog post, we’ll explore the importance of insuring your RVs, and how it can protect you from potential financial and legal consequences.

  1. Coverage for Accidents and Liability:
    Just like with any motor vehicle, accidents can happen while operating your recreational vehicle. Whether it’s a collision with another vehicle, property damage, or injuries to yourself or others, having insurance coverage can provide financial protection. Liability coverage is especially crucial, as it can protect you from potential lawsuits if you are found responsible for causing harm or damage to someone else’s property.
  2. Theft and Vandalism Protection:
    Recreational vehicles are valuable assets, and unfortunately, they can be targeted by thieves. Insuring your golf cart, jet ski, 4-wheeler, etc can help cover the cost of replacement or repairs in the event of theft or vandalism. This can give you peace of mind knowing that your investment is protected, and you won’t have to bear the full financial burden of replacing your vehicle.
  3. Coverage for Physical Damage:
    Accidents or unexpected events can result in physical damage to your recreational vehicles. Whether it’s a collision, fire, or natural disaster, having insurance coverage can help cover the costs of repairs or replacement. This can be especially important if you’ve invested in customized or high-end features of your RV.
  4. Medical Payments Coverage:
    Injuries can occur while operating recreational vehicles, and medical expenses can quickly add up. Having medical payments coverage as part of your insurance policy can help cover the cost of necessary medical treatment for you and your passengers. This coverage can provide financial relief and ensure that you receive the care you need without worrying about expenses.
  5. Uninsured or Underinsured Motorist Coverage:
    Just like with other motor vehicles, there’s a risk of encountering uninsured or underinsured motorists while operating your recreational vehicles. In the event of an accident where the at-fault party is not adequately insured, uninsured or underinsured motorist coverage can help cover your medical expenses and property damage.

Owning and operating golf carts, jet skis, or 4-wheelers can bring joy and excitement to your recreational activities. However, it’s crucial not to overlook the importance of insuring these vehicles. By securing the right insurance coverage, you can protect yourself, your passengers, and your investment from potential risks and unexpected events. Contact us today to explore your options and ensure that you have the proper coverage in place for your recreational vehicles.

Remember, safety always comes first, and insurance provides an essential layer of protection. Enjoy your outdoor adventures with peace of mind, knowing that you’re protected with the right insurance coverage.

The Importance of Insurance for Watercraft Vehicles: Protecting Your Boat and More

Watercraft vehicles, such as boats, jet skis, and yachts, provide endless opportunities for adventure and leisure. However, just like any other valuable asset, it’s crucial to protect your watercraft with the right insurance coverage. In this blog post, we will explore the importance of insurance for watercraft vehicles and highlight the key reasons why securing proper coverage is essential for every boat owner.

  1. Financial Protection: Owning a watercraft vehicle involves significant financial investment. From the cost of the vessel itself to ongoing maintenance and repairs, the expenses can quickly add up. Boat insurance provides financial protection against potential damages, accidents, or theft, ensuring that you are not left with a hefty bill in the event of an unexpected incident.
  2. Liability Coverage: Accidents happen, even on the water. Boat insurance not only protects your vessel but also provides liability coverage in case you cause property damage or bodily injury to others while operating your watercraft. Whether it’s a collision with another boat or an accident involving swimmers, having liability coverage can help mitigate potential legal and financial consequences.
  3. Natural Disaster Coverage: Watercraft vehicles are susceptible to various natural disasters, including storms, hurricanes, and floods. Comprehensive boat insurance typically includes coverage for damage caused by these events, ensuring that you can repair or replace your vessel if it gets damaged or destroyed due to a covered peril.
  4. Personal Property Coverage: Many boat owners carry personal belongings on their watercraft, such as fishing gear, electronics, and water sports equipment. Boat insurance often includes coverage for personal property, safeguarding your valuable possessions in case of theft, loss, or damage while onboard the watercraft.
  5. Emergency Assistance and Towing: Experiencing a mechanical breakdown or being stranded on the water can be stressful and potentially dangerous. Boat insurance policies often include coverage for emergency assistance and towing, providing peace of mind knowing that help is just a phone call away when you need it most.
  6. Additional Coverage Options: Depending on your needs and the type of watercraft vehicle you own, boat insurance policies may offer additional coverage options. These may include coverage for fuel spills, wreck removal, pollution liability, and uninsured boater protection. Working closely with an insurance agent can help you tailor your policy to meet your specific requirements.

Owning a watercraft vehicle is a thrilling experience, but it’s important to remember the responsibility that comes with it. Insurance for boats and other watercraft vehicles is not only a smart financial decision but also a legal requirement in many areas. By securing the right coverage, you can enjoy your time on the water with peace of mind, knowing that you are protected against unforeseen circumstances. Consult with an experienced insurance agent to assess your needs and find a boat insurance policy that provides comprehensive protection for your vessel, personal belongings, and liability.

Remember, insurance coverage is a critical component of responsible boat ownership. Don’t leave your valuable watercraft exposed to risks – protect it with a reliable and tailored insurance policy.

For more information or to get a personalized boat insurance quote, contact us today. Happy boating and stay safe on the water!

Renter’s Insurance: Why You Need It and What It Covers

If you are a renter, you may think that insurance is not necessary because you do not own the property. However, your landlord’s insurance only covers the building, not your belongings. That’s where the renter’s insurance comes in.

Renter’s insurance provides protection for your personal property, liability coverage, and additional living expenses if you are unable to live in your rental due to a covered loss. It’s an affordable way to protect yourself financially in case of unexpected events.

Here are some common coverages offered by renter’s insurance:

Personal Property Coverage: This covers your personal property, including furniture, clothing, and electronics, against damage or loss caused by theft, fire, smoke, vandalism, or other covered events.

Liability Coverage: This coverage protects you in case you are responsible for someone else’s injuries or property damage. For example, if someone gets injured in your rental and you are found to be at fault, your renter’s insurance can help cover the damages and legal fees.

Additional Living Expenses: If you are unable to live in your rental due to a covered loss, this coverage can help pay for additional expenses such as hotel bills, food, and other related costs.

When choosing renter’s insurance, it is important to understand what is covered and what is not. Some policies may have exclusions, such as damage caused by floods or earthquakes, so be sure to review the policy carefully and ask questions.

In summary, renter’s insurance is a smart investment for renters to protect their personal belongings and cover themselves in case of liability or additional living expenses. It’s an affordable way to have peace of mind and protect yourself from unexpected events. Contact us today to learn more about renter’s insurance and how it can benefit you.

Motorcycle Insurance: What You Need to Know Before Hitting the Road

Riding a motorcycle can be an exhilarating experience, but it also comes with inherent risks. That’s why it’s important to make sure you have the right insurance coverage before hitting the road. In this blog post, we’ll cover everything you need to know about motorcycle insurance, from the different types of coverage to factors that can affect your premium.

Types of Motorcycle Insurance Coverage

  • Liability coverage: This type of coverage is required by law in most states and covers damages or injuries you cause to others in an accident.
  • Collision coverage: This coverage helps pay for repairs or replacement of your motorcycle if it’s damaged in a collision with another vehicle or object.
  • Comprehensive coverage: This coverage protects against non-collision incidents, such as theft, vandalism, or weather-related damage.
  • Uninsured/underinsured motorist coverage: This coverage protects you if you’re in an accident with a driver who doesn’t have insurance or has insufficient coverage.

Factors That Affect Motorcycle Insurance Premiums

  • Riding experience: Generally, the more experience you have riding a motorcycle, the lower your premiums will be.
  • Age and gender: Younger and male riders are statistically more likely to be involved in accidents, which can result in higher premiums.
  • Location: If you live in an area with high accident rates or theft rates, your premiums may be higher.
  • Type of motorcycle: More expensive or powerful motorcycles typically have higher premiums.

Additional Tips for Motorcycle Insurance

  • Shop around for the best rates and coverage options.
  • Consider taking a motorcycle safety course to potentially lower your premiums.
  • Make sure to disclose any modifications or customizations made to your motorcycle to ensure proper coverage.
  • Review your policy annually to ensure you have adequate coverage and to make any necessary changes.

Having the right motorcycle insurance coverage is essential for protecting yourself and others on the road. By understanding the different types of coverage, factors that can affect your premiums, and additional tips for getting the best coverage, you can hit the road with confidence and peace of mind.

At Palacio Miller Agency, we understand the unique needs of motorcycle riders and can help you find the right coverage for your specific situation. Contact us today to learn more.

Recovering from the Devastating Mississippi Delta Storms: Support and Resources for Those Affected

The Mississippi Delta was hit by a series of devastating storms on March 24, 2023, causing significant damage to homes, businesses, and communities. With insured losses approaching $100 million and uninsured losses expected to exceed that number, we understand that this can be an overwhelming time for many. As your trusted insurance advisors, the Palacio Miller Agency is here to provide support, resources, and guidance to help you get through this difficult period.

  1. Insurance Coverage for Storm Damage: The first thing you should know is that damage caused by tornadoes is typically covered under standard homeowners and business insurance policies. The optional comprehensive portion of an auto insurance policy will also cover damages caused by storms. If you’re unsure about your coverage or have questions, don’t hesitate to contact your insurance agent for assistance.

2. Mississippi Insurance Department Assistance: The Mississippi Insurance Department (MID) is offering support to storm victims by setting up a temporary location at the Justice Court Building on Highway 25 in Amory. They will be available from 10 a.m. to 2 p.m. Tuesday through Thursday to assist with insurance questions and concerns. Be sure to take advantage of this resource if you need guidance on insurance claims or policies.

3. Hiring a Public Adjuster: If you’re struggling to navigate your insurance claim, you have the option to hire a public adjuster. These professionals are not affiliated with insurance companies and can help ensure you receive appropriate compensation for your losses. A public adjuster can provide valuable assistance in managing your claim and negotiating with your insurance provider.

During challenging times like these, it’s essential that we come together as a community to support one another. The Palacio Miller Agency is committed to helping those affected by the Mississippi Delta storms and providing the resources you need to recover. If you have any questions or need assistance with your policy or claim, please reach out to us. Remember, we are here for you, and we will get through this together.

Umbrella Insurance: Extra Protection for Unexpected Situations

Do you want to protect yourself from unexpected and potentially expensive situations? If so, you may want to consider umbrella insurance. Umbrella insurance is a type of liability insurance that provides additional coverage beyond the limits of your existing policies, such as auto or homeowner’s insurance. In this blog post, we’ll explain what umbrella insurance is and how it can provide you with extra protection.

What is Umbrella Insurance?

Umbrella insurance provides additional liability coverage when your existing policies are not enough. For example, if you are involved in a car accident and the damages exceed your auto insurance policy limit, umbrella insurance can cover the remaining costs. Similarly, if someone is injured on your property and your homeowner’s insurance policy limit is reached, umbrella insurance can help cover the additional expenses.

Umbrella insurance can also provide coverage for situations that are not covered by your existing policies, such as slander or defamation lawsuits. Additionally, umbrella insurance can cover legal fees and other expenses related to a covered claim.

Why Do You Need Umbrella Insurance?

You may be wondering if you really need umbrella insurance. The answer is that it depends on your personal situation. If you have significant assets, such as a home or retirement accounts, umbrella insurance can help protect them in the event of a lawsuit. Similarly, if you have a high-risk job or participate in activities that could result in liability, such as coaching a sports team, umbrella insurance can provide extra protection.

Even if you don’t have significant assets or a high-risk job or activities, umbrella insurance can still be beneficial. It provides peace of mind and can protect you from unexpected financial losses.

How to Get Umbrella Insurance Coverage

Umbrella insurance is typically available in increments of $1 million in coverage, up to $5 million or more. The cost of umbrella insurance varies depending on your personal situation, such as your assets and risk level.

To get umbrella insurance, you will need to have underlying insurance policies, such as auto or homeowner’s insurance, with minimum liability limits. You can purchase umbrella insurance from the same company that provides your underlying policies or from a separate insurer.


Umbrella insurance provides extra protection and peace of mind in the event of unexpected and potentially expensive situations. If you have significant assets or participate in high-risk activities, umbrella insurance can be particularly beneficial. At Palacio Miller Agency, we can help you find the right umbrella insurance coverage for your needs and budget. Contact us today to learn more.

Flood Insurance: Why It’s Important and How to Get Coverage

Floods are one of the most common natural disasters in the United States, and they can cause significant damage to your home and personal belongings. Unfortunately, many homeowners don’t realize that their standard homeowner’s insurance policy does not cover flood damage. That’s why it’s important to consider purchasing a separate flood insurance policy. In this blog post, we’ll explain why flood insurance is important and how you can get coverage.

Why Is Flood Insurance Important?

Floods can happen anywhere, not just in high-risk areas. In fact, nearly 25% of all flood insurance claims come from low-to-moderate-risk areas. And with the frequency of severe weather events on the rise due to climate change, it’s more important than ever to have flood insurance.

Without flood insurance, you could be responsible for paying out-of-pocket for the cost of repairs and replacing your damaged belongings. This can be financially devastating, especially if you don’t have savings or other resources to cover the expenses.

How to Get Flood Insurance Coverage?

Flood insurance is available through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA). You can purchase a policy directly from an insurance agent who participates in the NFIP.

To determine if you’re eligible for NFIP coverage, you can use FEMA’s online Flood Map Service Center. This will help you determine the flood risk for your property and whether you’re required to have flood insurance.

It’s important to note that there is typically a 30-day waiting period before your flood insurance coverage takes effect. So, it’s a good idea to purchase your policy well in advance of any potential flooding events.

In addition to NFIP coverage, some private insurers also offer flood insurance policies.


Floods can happen anywhere, at any time. And without flood insurance, you could be left with significant financial losses. If you’re a homeowner or renter, it’s important to consider purchasing a flood insurance policy to protect your property and belongings. At Palacio Miller Agency, we can help you find the right flood insurance coverage for your needs and budget. Contact us today to learn more.

What does renters insurance cover?

Renters insurance from Palacio Miller Agency is a valuable and cost-effective way to protect your possessions. It can cover all sorts of unexpected events, including fire, theft, vandalism, and certain types of water damage.

What exactly does renters insurance cover? 

Generally speaking, renters insurance provides coverage for the contents of your rental property here in the Louisville KY area, as well as any liability that you may be responsible for in the event of an accident or injury on your property. The exact limits and coverage vary by plan and provider, but typically it’s designed to provide protection in the event that someone is injured on your property or if you are liable for damages caused by an incident. 

In addition to covering the contents of your rental property, renters insurance can also provide coverage for the theft of personal items such as jewelry or electronics. This type of coverage will usually have its own set of conditions attached. Be sure to check with your insurer before purchasing a policy so that you understand what is included in their plan. 

Renters insurance can offer peace of mind that whatever happens at your rental property—from accidents to theft—you will be able to replace what was lost or damaged without breaking the bank. It’s important to shop around and find a policy that meets both your needs and budget.

Looking for insurance in the Louisville, KY area?

If you have any additional questions, or if you want to explore your options, please give us at Palacio Miller Agency a call today. We would be happy to help you as we have been serving the Louisville, KY area for many years.

Homeowner’s vs Dwelling Insurance: What You Need to Know

When it comes to insuring your property, there are many different types of insurance policies to choose from. Two common options are homeowner’s insurance and dwelling insurance. While they may seem similar, there are important differences between the two. In this blog post, we’ll explain the differences between homeowner’s and dwelling insurance and let you know that you can get both types of coverage from Palacio Miller Agency.

Homeowner’s Insurance

Homeowner’s insurance is a type of insurance that provides coverage for your home and personal belongings. It typically includes coverage for damages or losses caused by events such as fire, theft, or natural disasters. It may also include liability coverage, which protects you in case someone is injured on your property.

One important thing to note about homeowner’s insurance is that it usually includes coverage for your personal belongings, such as furniture, clothing, and electronics. It also includes coverage for additional living expenses if you’re forced to temporarily relocate due to a covered loss.

Dwelling Insurance

Dwelling insurance, on the other hand, is a type of insurance that covers only the structure of your property, not your personal belongings. It’s often used for properties that are rented out or not occupied full-time, such as vacation homes or rental properties.

Dwelling insurance typically covers damages or losses caused by events such as fire, lightning, hail, or wind. It may also include liability coverage, but it does not include coverage for personal belongings or additional living expenses.

At Palacio Miller Agency, we understand that each property is unique and has different insurance needs. That’s why we offer both homeowner’s and dwelling insurance to our clients. Whether you’re a homeowner looking for comprehensive coverage for your property and belongings or a landlord looking to protect your rental property, we’ve got you covered.

Our experienced insurance agents can help you determine the right type and amount of coverage for your property and budget. We can also provide you with valuable insights and tips on how to prevent losses and keep your property safe.

In conclusion, understanding the differences between homeowner’s and dwelling insurance can help you make an informed decision about which type of coverage is right for you. And at Palacio Miller Agency, we can provide you with both types of coverage and help you find the best possible rates. Contact us today to learn more about our insurance products and services.


  1. We are locally owned and operated!

  2. We provide coverage through multiple carriers!

  3. We can combine coverage to save you money!

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