3103 Breckenridge Ln
Louisville, KY 40220
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Proudly Serving a five-state area!

How to Make Sure You’re Prepared for the Summer Camping Season

Camping is a favorite pastime for many. Getting back to nature and off the beaten path can be a great way to spend time with family members and other loved ones. That said, it’s important to take some precautions and put in a bit of planning to ensure that everyone has a safe and fun time. It’s also crucial to ensure that you have the proper RV insurance. If you’d like to discuss RV insurance options, get in touch with Palacio Miller Agency, serving greater Louisville, KY.

Preparing for the Summer RV Season

Make Sure You Have a First Aid Kit

Hopefully, no one will get injured. However, accidents happen from time to time. Bee stings, sunburns, sprained ankles, there are many different risks. You’ll want to make sure that the medical cabinet in your RV is well stocked. Fortunately, you can buy already assembled first aid kits that contain essential supplies.

That said, make sure you keep your family’s needs in mind. You won’t find an Epipen in the average first aid kit, but if someone has severe allergies, you may need one.

RV Insurance Mitigates Risks

Your RV may not be fully covered under standard car insurance. While many RVs are sturdy, bad weather and other things could damage them. It’s also possible that property from the RV, say a laptop or television, will end up stolen. By taking out RV insurance, you can expand coverage to cover many things.

Make Sure You Can Always Stay in Touch

You’ll want to make sure that you can always contact emergency authorities and loved ones. If you’re going to popular campgrounds with modern amenities, you’ll likely be able to use your cell phone. If you’re going off the beaten trail, say hiking through a remote area, it’s wise to get a satellite phone or something similar. 

Reach Out To Us

If you’d like to learn more about camping safety or want to discuss RV insurance, contact Palacio Miller Agency, serving greater Louisville, KY.

Safe driving tips for new drivers

As a new driver, it is important to keep safety in mind when you are behind the wheel. Palacio Miller Agency serves auto insurance in the Louisville KY area, and we know that for safe driving that every new driver should follow some best practices while on the road. 

Here are some tips:

1. Wear your seat belt at all times.

Wearing your seat belt will reduce the risk of injury or death in the event of an accident. 

2. Follow speed limits and pay attention to posted signs.

Obeying these laws will help you stay safe on the road and avoid getting into traffic violations or worse, an accident due to speeding. 

3. Be aware of your surroundings and maintain a safe following distance from other drivers.

This way, you can have enough time to react if something unexpected happens ahead. 

4. Avoid distractions while driving.

Some examples are using your cell phone, eating, or putting on makeup; anything that takes away your focus from the road could result in an accident or at best, a traffic violation.  

5. Keep both hands on the wheel.

And always check your blind spots before changing lanes or making any turns – it is good practice always to use turn signals, so other drivers know what your intentions are when switching lanes or making turns. 

Get Auto Insurance – It’s Mandatory!

With these simple tips, you can become a safer driver and enjoy a stress-free driving experience! Also, make sure your auto insurance is updated so you can drive your vehicle with maximized coverage. For more safe driving tips, give us at the Palacio Miller Agency a call today. We proudly serve the Louisville, KY area and want to keep you safe while out on the road above all else.

How to prepare your boat for a storm

Boat owners should prepare their boats for a storm by taking the necessary precautions. This includes inspecting all of the key systems on your boat, making sure that everything is in working order, and keeping important supplies on hand. Palacio Miller Agency. serving Louisville, KY boat owners with insurance coverage, is here to help. 

How to prepare your boat for a storm

First, you should inspect all of the key systems on your boat to make sure they are functioning properly. This includes checking things like the engine, electrical wiring, bilge pumps, navigation equipment, and more. If any parts of these systems appear damaged or worn out, they will need to be replaced before you head out into rough weather conditions.

In addition to inspecting your boat’s systems, it’s also important to stock up on essential supplies ahead of time. As part of this preparation process, you should gather items like life jackets, flares, an anchor, extra fuel, and more. By having these supplies on hand, you will be able to keep yourself safe if your boat gets damaged or becomes disabled during a storm.

To sum up, there are several important steps that you should take when preparing your boat for a storm. These include inspecting all of the key systems on your vessel and replenishing essential supplies ahead of time. By following these tips, you can make sure that you are ready for whatever Mother Nature throws at you.

Contact Us Today

Do you have any additional tips for preparing a boat for a storm? Let us know in the comments! Or, for more safe boating tips, call the Palacio Miller Agency today. We proudly serve the Louisville, KY area and would be happy to help you stay safe and have fun while out of the water. 

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. 


  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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