3103 Breckenridge Ln
Louisville, KY 40220
Get Directions

The Palacio Miller Family of agencies -
Proudly Serving a five-state area!

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!

  4. We offer friendly customer service!

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


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


Left Arrow Read More Right Arrow