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

When is a homeowner legally required to buy flood insurance?

Flood insurance is vital coverage that is recommended for all homeowners. Palacio Miller Agency offers flood policies to help Louisville, KY residents better protect their home investment.

When is a homeowner legally required to buy flood insurance?

Some Louisville, KY homes sit inside flood zones that the Federal Emergency Management Agency (FEMA) determined to have a high probability of frequent flooding. The federal government, through the Federal Deposit Insurance Corporation (FDIC), requires homeowners who purchase these homes to also purchase flood insurance to protect them.

What Homes Must Carry Flood Insurance?

Not every Kentucky home needs this type of policy, but if you reside near a creek or river, purchasing one can help protect you from the inevitable. You should check your home’s address using FEMA’s Flood Map Service Center to learn which zone your home falls into for flood risk. If the map reveals that your home sits inside a zone beginning with an “A” or a “V,” and you hold a federally-backed mortgage, you’re legally required to purchase flood insurance.

What is a federally-backed mortgage?

The term federally-backed mortgage describes most mortgages in the US. If the bank, credit union, or other financial lenders you use carries the phrase “insured by the FDIC” or “insured by the Federal Deposit Insurance Corporation,” that means federally backed. You must purchase flood insurance if your home sits in a zone beginning with an “A” or a “V.”

How do you purchase flood insurance?

Palacio Miller Agency offers flood insurance, and it only takes a phone call or an email to us to start the process. Purchasing flood insurance to complement your homeowners’ policy uses a similar process to home coverage. We ask many of the same questions, but some do change.

When you contact us directly, we’ll ask if you want structure coverage, contents-only coverage, or both. Homeowners typically choose the coverage of both, since that means their house and personal items in it receive coverage. Contact us today to get started.

Does everyone need to have a life insurance plan in Kentucky?

If you live in the Louisville, KY area, you will want to make sure you have all the necessary insurance plans in place. A common form of insurance coverage people here should consider obtaining is life insurance. This coverage provides valuable protection and all people should look further into it. There are various reasons why someone here will need to have this plan in place. 

Why Life Insurance?

Provide Protection for Dependents

A reason that all people here should consider having life insurance is so they can provide protection for dependents. Being able to secure the financial future of your family or other dependents is important. With a life insurance plan, you can ensure you have financial support if you were to pass away unexpectedly. A life insurance plan can also help with end-of-life expenses for your loved ones, even if you do not have dependents.

Alternative Investment Option

You also can consider getting a life insurance policy as it can be a good alternative investment option. A whole life insurance policy is often an ideal choice as you can have coverage for the rest of your life and also receive an investment benefit. Over time, there will be a built-up cash value in your policy. This will build into a significant amount of money over the years, which makes it a good addition to your investment plan. 

Get The Right Coverage Today

You clearly should consider getting a life insurance policy in the Louisville, KY area. When you are looking for this insurance coverage and support here, calling the team with the Palacio Miller Agency could be ideal. Our team of insurance professionals at Palacio Miller Agency understands the need and value of this coverage. They will help you carefully assess all options and build an ideal plan that will meet your needs. 

How to Keep Your Motorcycle Safe on the Road: 3 Tips You Need to Know

It’s an exhilarating experience to ride a motorcycle. No wonder motorcycle ownership has been on the rise in recent years. With an increase in popularity comes an increase in risk. Consult with Palacio Miller Agency in Louisville, KY to get insurance coverage for your vehicle and related advice.

Here are three tips motorcycle riders need to know:

Never ride under the influence

When under the influence, riding a motorcycle is dangerous. It is difficult to control a bike, and you are more likely to get into an accident. If you get caught drunk driving, you can expect jail time and perhaps a fine; if you’re riding your motorcycle under the influence, you’ll face much stiffer penalties, such as hefty fines and mandatory prison time.

Wear the right gear for the weather

The weather significantly affects a motorcycle rider’s comfort and visibility. Wearing high visibility vests (or reflective jackets) or riding in groups can help you stay safe and comfortable in all weather conditions. Bright colors can help you stand out at night and when visibility is low.

Ride within your comfort zone

There are a few reasons why you should always ride within your comfort zone on a motorcycle. The first reason is for safety. If you are not comfortable with the speed or the terrain, it is easy to make a mistake that could lead to an accident. The second reason is that it is more enjoyable. When you are relaxed and comfortable, you can focus on the scenery and riding experience rather than the anxiety of pushing your limits.

Get Motorcycle Insurance 

Palacio Miller Agency in Louisville, KY specializes in motorcycle insurance. We have many options to choose from to ensure you get the proper coverage. Give us a call today to learn more about our motorcycle insurance options!

Now is the time to make sure your Louisville business has enough liability protection

Palacio Miller Agency is here for the business community in the greater Louisville, KY area. If you are unsure if your firm has the liability protection that it needs, reach out to us today. We look forward to working with you soon.

Make sure your Louisville business has the liability coverage it needs!

As a company grows and becomes more established, its risk of liability increases. When it comes to liability protection, however, most commercial policies offer a static amount. When the primary policy is exhausted, the company, and even the principals themselves, can be held financially responsible for damages. 

In order to avoid such a situation, businesses increase their insurance holdings by adding an umbrella policy to their portfolio. With such a policy in place, the company has a greater amount of liability protection. If you are unsure if you have the appropriate protection for your business, now is a good time for a policy review. 

A close review of your current policy along with your business profile can reveal if there is sufficient coverage in place. This review can help to protect your company now and well into the future. Owning a successful business takes a lot of hard work and dedication. It only makes sense to protect those efforts! Contact your local business insurance agent today and learn more about the advantages of umbrella insurance. 

We look forward to working with you!

Louisville, KY business owners and operators turn to the team at Palacio Miller Agency for all of their commercial and liability insurance needs. If you want to make sure that your company has the protection it needs, set up a call with us today. We are proud to serve our business community. 

Preparing your home and family for an emergency

Emergencies come in many forms. It can be a flood, a tornado, a wildfire, a severe storm, or another natural disaster. Being prepared means being safe and preparing your home and your family helps. At Palacio Miller Agency in Louisville, KY, we want to make sure that we provide the advice you need to choose the right home insurance to protect your home.  

Preparing your home and family for an emergency

Prepare an escape route

Not only do you need to have an escape route planned to get out of your neighborhood, but you and your family also need to have an escape route planned to exit your home in the event of an emergency. Designate a meeting point in the house and make sure everyone knows where it is. Discuss alternative ways out in the event one way is blocked. 

Know the safe room for a tornado shelter

If you don’t have a tornado cellar, you need to determine which room in your home provides the best safety. Internal rooms without windows are the best option. If you have a basement, go there. Often, bathrooms are the best choice, but they need to be on the first floor. A closet will also provide some protection. 

Have supplies

It is always good to have a supply of water on hand. You need it for drinking and maybe for washing and flushing the toilet if the electricity is out for several days. If possible, have a generator so that you can have heat or ac depending on the time of year. Have a way to cook meals. It can be a camp stove or if you have a gas stove you are in luck. Make sure that if you have any advance warning you fill up your vehicle’s gas tank. 

Give Us A Call

Contact Palacio Miller Agency in Louisville, KY to discuss your home insurance needs. 

What Are The Benefits Of Having Recreational Insurance?

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

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

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

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

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. 


  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!


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