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3103 Breckenridge Ln
Louisville, KY 40220
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The Palacio Miller Family of agencies -
Proudly Serving a five-state area!

What Are The Benefits Of Having Recreational Insurance?

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Recreational insurance is a must-have coverage if you or your recreational business frequently engage in fun activities with others or are close to others and their property. As a resident of Louisville, KY, you should also consider getting recreational coverage when going for a vacation. If you aren’t sure about getting this coverage, here are some of its benefits to convince you to purchase it. 

Benefits Of Having Recreational Insurance

1. You Can Customize It to Fit Your Activities

You or your recreational business can engage in uncountable kinds of recreational activities. The risks related to your fun activities are pretty different from that of someone else or another enterprise with a different set of recreational activities. Whether biking, skydiving, or rock climbing, you get to customize your recreational insurance to fit the fun activities you do. At Palacio Miller Agency, we recommend that you customize your insurance recreational insurance best you can to lower its cost. 

2. Coverage for Equipment/Vehicle Loss or Damage

Do you use equipment or a vehicle in your recreational activities? This coverage will protect you against equipment loss or damage. Whether it’s your rock-climbing gear, ATV, dirt bike, or kayak, your recreational policy will pay to repair or replace it if it’s stolen or damaged. 

3. Peace of Mind

Whether you are a person or a recreational business, purchasing recreational insurance provides peace of mind that you are well protected from liability. Therefore, you don’t have to worry about your savings, assets, or stocks being used to settle your liability in case someone gets injured or third-party property is damaged. As an individual, this peace of mind will enable you to enjoy your hobbies even more. If you are a business, the peace of mind will allow you to focus on delivering the best services to clients and your growth.  

Are you looking for recreational insurance deals in Louisville, KY? Call Palacio Miller Agency today.

How Renters Insurance Protects You

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If you are a renter, it’s important that you always have renters insurance for as long as you rent your home. This insurance provides several types of coverage that are all important for your financial future. If you don’t have your renters policy yet, give us a call now at Palacio Miller Agency in Louisville, KY. 

How Renters Insurance Protects You

Protect Your Belongings

One of the most important ways that this insurance protects you is by covering all of your belongings that are inside your home. Without this coverage, a major incident that happens and ruins your possessions may leave you with nothing. Instead, the policy will pay for you to be able to replace your items. This is coverage that is highly valuable when you think about how much it would cost to replace what you own. 

Liability Protection

When you have someone in your home, their safety is up to you. If they were to have an accident there that resulted in injuries, you would most likely be found liable to pay their medical bills and lost wages. That’s why you need renters insurance to pay for those bills in case of an accident. This protection also means that you are less likely to be sued since you are covered by insurance. 

Lifestyle Protection

If something terrible happened to your rented home and left it unlivable, you won’t have to try to live in those conditions when you have renters insurance. Instead, the policy pays for you to live somewhere that is in better condition so that you don’t lose your standard of living. While the repairs are being made, you will be comfortable somewhere else. 

Get Your Home Covered

If you are renting, this is vital coverage to have to protect yourself. Call us at Palacio Miller Agency in Louisville, KY to find out more. 

Benefits of Motorcycle Insurance in Louisville, KY

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Motorcycle insurance is a type of coverage necessary to operate your bike in Louisville, KY. It protects the vehicle from any damages or losses that could happen while you’re on- and off-road. This includes accidents, thefts, and vandalism. 

Benefits of Motorcycle Insurance

Collision Protection

Motorcycle insurance is essential for several reasons. If you’re involved in an accident while riding your motorcycle, insurance can help cover the costs associated with repairs or medical bills. In addition, having insurance can also help protect you from legal liability if you cause a collision.

Liability Protection

If you are ever sued because of an accident, the right policy can help protect your assets. This is especially important if you are found to be at fault for the accident. Liability insurance can assist you in covering any legal fees or losses incurred because of your negligence.

Comprehensive protection

Comprehensive motorcycle insurance can help protect your bike if damaged or stolen. Depending on the terms, this type of policy can help cover the cost of repairs or replacement.

Having motorcycle insurance is vital for all riders. The right policy can help protect you in the event of an accident or legal liability. Contact an agent at the Palacio Miller Agency today to learn more about motorcycle insurance in Louisville, KY.

Medical Care

If you are injured in a motorcycle accident, your health insurance may not cover the costs of your medical care. This is when medical payment coverage comes in handy. This type of policy will help pay for your medical expenses, regardless of who is at fault for the accident.

Don’t skimp on motorcycle coverage. The right policy can help protect you from financial losses in the event of an accident or legal liability. Contact the Palacio Miller Agency today to find out more about motorcycle insurance in Louisville, KY.

RV Insurance Overview

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Palacio Miller Agency is an independent agency. We help Louisville, KY residents find the coverage they need to protect what matters most. We have relationships with multiple carriers in the area. This allows us to take a flexible approach to offer coverage. We will help you find a custom policy specifically designed to protect your assets.

RV Insurance Overview

Many Louisville, KY residents enjoy taking vacations in their RVs. If you plan to explore parts of the South in your RV, RV insurance gives you a layer of protection. The policy covers your vehicle if it suffers damages in an accident. If you are held responsible for the damages and potential injuries, liability coverage will protect you. Liability coverage also protects you if one of your passengers is injured during a collision. Comprehensive coverage protects your vehicle if it’s stolen. All of your personal items inside the vehicle are covered as well. The South is prone to inclement weather. Comprehensive coverage takes over if you are visiting an area and a tornado moves through and causes damage. You’re also covered if your RV is vandalized or damaged in an accidental fire.

If you plan to travel long distances in your RV, you can add emergency coverage. Perhaps you are traveling out of the state, and your RV breaks down or suffers a flat tire. You can receive towing service or a battery boost with roadside assistance coverage. The type of coverage you need varies depending on the type of RV you have. If you are traveling with a trailer attached, you can amend your policy to cover it against potential damages.

Palacio Miller Agency Will Help You Protect Your Assets

Give us a call to learn more information about RV insurance.  

Auto Insurance FAQ

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Everyone wants to save money. At Palacio Miller Agency serving Louisville, KY and the surrounding areas, we can help you better understand how to get the best deals on insurance products. If you have questions about auto insurance, we can help. 

Am I Required By Law To Carry Auto Insurance?

In the state of Kentucky, it is required by law that you carry a minimum auto policy in order to operate a vehicle. A minimum auto policy would only include liability coverage.

Is Liability Coverage Enough?

Just because the legal minimum is liability coverage, does not mean that is necessarily all you need. You can operate your vehicle legally, but if you are in an accident, a liability policy will not pay for repairs to your car, or replacement of your car if it is totaled. This type of policy also will not help to pay for any medical bills that may result for you if you are injured during an accident. Liability-only coverage can leave you financially vulnerable should you be in an accident. 

How Can I Get The Best Deal On Auto Insurance?

You can keep your insurance costs low by maintaining a clean driving record. This is one of the best ways to avoid rate increases. You can also qualify for discounts when you bundle different insurance products from the same company. For instance, homeowners and auto policies. 

It is also important to talk with an insurance representative so that you can best understand which vehicles should be listed as primary vehicles on your policy. 

If you would like to learn more about our auto insurance or any of our other insurance services, please contact us at Palacio Miller Agency serving Louisville, KY, and the surrounding areas. 

Do all people in Kentucky need to have boat insurance?

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People that live in the Louisville, KY area will want to enjoy the warm months of the year as much as possible. A great way that this can be done is by getting a boat and enjoying all the local waterways. If you are looking for a boat, you also need to get a quality boat insurance plan. There are a few reasons that boat owners here will need this coverage.

Protect their Boat

A primary reason to have a boat insurance plan is to protect your boat. Once you buy a boat, you will want to ensure it is properly cared for. A big part of this is getting the right insurance. With boat insurance, you will have the support that is needed to replace or repair your boat if you do incur various types of losses.

Offset Liability Risks

You should also get a boat insurance plan to offset your liability risks. When you get a boat, there is always a chance that you can cause an accident. As you will need to cover these damages, having insurance is a good option. When you are covered with a boat insurance plan that has liability coverage, it will provide you with the support needed so you can handle these costs. 

If you are a boat owner and are in the Louisville, KY area, you will know how valuable a quality boat insurance plan is. Once you are ready to start shopping for a new plan, calling the Palacio Miller Agency is a good option. Boat owners will want to be made aware of all of their insurance options and the Palacio Miller Agency can help with this. The team can answer any of your questions and get you into a quality plan. 

Should I invest in flood insurance?

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Even if you reside outside a special hazard designation, it’s imperative to purchase flood insurance from Palacio Miller Agency to cushion you from the devastating effects of flood damage. Statistics reveal that those designated outside the flood-prone areas file more than 25% of flood claims nationwide. Floods top the charts for being one of the most widespread natural calamities in the United States.

Regrettably, the standard home insurance doesn’t cover floods; it’s prudent to purchase a separate flood insurance policy in Louisville, KY to safeguard your dwelling or home business. Just because you have not been affected by the ravaging effects of flood damage in the past doesn’t guarantee that you won’t experience it in the future. Be wise and design a great plan in Louisville KY early enough to hinder wrestling with substantial financial constraints. Please speak to our agents at Palacio Miller Agency and get to learn more about flood insurance coverage.

Buying flood insurance from Palacio Miller Agency is a worthwhile asset as it harbors the following benefits:

 Keeping your loved ones safe.

It’s vital to initiate a contingency plan and purchase magnificent flood insurance before unexpected calamities strike. This prudent decision of acquiring good flood insurance will safeguard your family and loved ones from looming incertitudes like fire or hail. Buying this vital policy will cushion your family from homelessness and renting an apartment when flood-related damage ravages your dwelling.

Safeguards your property

Do you know that one inch of floodwater can induce more than 25,000 dollars worth of damage to your dwelling? Regrettably, many Louisville KY residents believe that home insurance policies cover floods. This bearing of such a misconception is confusing and alarming. Flood insurance reimburses for damage to your walls, roof, floor and other permanent fixtures to your dwelling.

It instills peace of mind.

The weather can be unpredictable. Flooding can strike at any time without prior warning, triggering substantial damage to your dwelling and contents inside. Instead of battering in worries every time a weatherman mentions looming weather, it’s prudent to buy solidified flood insurance and be guaranteed protection to your loved ones when this menace strike.

Are you a Louisville, KY resident, looking for flood insurance to safeguard your dwelling and loved ones? Please call or visit our offices at Palacio Miller Agency for more information about flood insurance.

Why You Need Life Insurance Now

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Life insurance is really important if you want to help out your friends and family after you die. While you won’t be there anymore, not having life insurance can be a real financial burden to your family and other loved ones, on top of them already grieving. We explain below further why you need to consider getting life insurance right away.  

Palacio Miller Agency in Louisville, KY is proud to offer life insurance from several providers, servicing these states:

  • Arkansas
  • Indiana
  • Kentucky
  • Mississippi
  • Tennessee

Coverage of debt

Debt can be a real struggle during your life, and unfortunately, debt isn’t always written off after you die. For that reason, life insurance can really help your loved ones in case you have struggled with debt throughout your life. Most life insurance policies can cover paying off your debts so that your family does not have to.

Funeral costs

The average funeral can cost thousands of dollars, in some cases surpassing tens of thousands of dollars. As your loved ones most likely want to organize your funeral to pay their respects and say their goodbyes, they need to be able to cover these costs. Life insurance policies can help your loved ones with pricey funeral costs so that they do not have to cover that money themselves.  

Hopefully, the above reasons have helped you decide whether you should get life insurance or not. Our agents can help you further with this. If you are ready to discuss life insurance options, you can give Palacio Miller Agency in Louisville, KY a ring to request a quote. You can also request a quote on our website. 

4 Coverage Options for When You Have Motorcycle Insurance

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Owning and driving a motorcycle can be fun and rewarding with many miles of beautiful roads to travel. It is important to not only have adequate insurance to be able to operate your motorcycle on roadways legally but to have the right type of coverage as well. Choosing a professional insurance company is an important factor in getting quality coverage. Our team of experts is available to assist!

Types of Motorcycle Insurance

Beyond standard liability and uninsured motorist insurance, there are other coverage options to consider. They include:

  • Collision – covers damages to your motorcycle in excess of your policy’s deductible
  • Personal Injury Protection (availability varies by state) – covers injuries that you and any passengers sustain in an accident; coverage may also include injuries involving pedestrians.
  • Medical Payments – covers medical expenses for you and passengers, similar to personal injury protection; coverage for lost wages and other associated costs are not included.
  • Comprehensive – covers losses not associated with a collision, such as theft and damage from weather or fire, in excess of your policy’s deductible.

Expert Insurance Agents in Louisville

The agents at the Palacio Miller Family of Agencies have helped countless motorcycle owners get the right type of insurance for maximum protection. We’ll gladly walk you through your current policy and answer any questions you have concerning your coverage. If you are a new biker in need of a policy, call us today for a hassle-free quote to help get you safely onto the open road!

Required Commercial Insurance in Kentucky

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In Kentucky, there is one type of commercial insurance that is required for most small businesses, and there are many other types of commercial insurance that are extremely helpful but not mandated. If you need commercial insurance for your business, call us at Palacio Miller Agency in Louisville, KY.

Workers’ Compensation Insurance

In Kentucky, sole proprietorships are not required to have workers’ compensation insurance. However, any business with one or more employees is required to have it, even if it’s just one part-time worker. This insurance is generally not required for corporate officers and partners of the business. For regular employees, this insurance provides payment for their medical bills and lost wages if they were to get injured at work. This is an important protection for your business, as medical bills can be extremely expensive. 

Commercial Vehicle Insurance

It’s mandated by the state that every vehicle must have auto insurance. If your company owns a vehicle, it is highly recommended that you get a commercial vehicle policy, though it’s not required by the state. A personal policy on a business vehicle may not pay out when there is an accident because the vehicle was being used for business. A commercial policy keeps your business better protected. 

Liability Insurance

The state does not require Kentucky businesses to have general liability insurance, but not having it for your business can be dangerous. Whether it’s injuries in a store, injuries from products, etc., you can be the target of lawsuits if you don’t have adequate liability insurance. There are many different types available for many different types of businesses to keep your specific company protected. 

Get Your Commercial Insurance 

If your Kentucky business doesn’t have commercial insurance, now is the time to get it. Call us now at Palacio Miller Agency in Louisville, KY to find out more. 

WHY WORK WITH US?

  1. We are locally owned and operated!

  2. We provide coverage through multiple carriers!

  3. We can combine coverage to save you money!

  4. We offer friendly customer service!

  5. You have 24-hour access to your policy info!

STATES WE SERVE:

  1. Arkansas
  2. Indiana
  3. Kentucky
  4. Mississippi
  5. Tennessee

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