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

Do all people in Kentucky need to have boat insurance?

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?

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

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

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

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. 

Is home insurance needed in Kentucky?

Anyone that is in the Louisville, KY area will find that owning a home is a good idea. This part of Kentucky has continued to see demand for new housing and there is a strong local economy. While there are a lot of advantages that can come with owning a home, it is always important to remember that it is a valuable asset that needs proper insurance. There are a few reasons that home insurance should be considered a necessity here. 

Coverage is Required for Mortgage Borrowers

A situation in which you will need to have home insurance is if you have taken out a mortgage. Anyone that has financed their home purchase with a loan will find that their lender requires them to carry home insurance throughout the term of the loan. In fact, many lenders will also require that you have your monthly payments escrowed. This ensures that you will not have a lapse in payment. 

Coverage Protects Valued Asset

Even if your lender does not require you to carry insurance, having it is still a good idea. A proper home insurance plan will continue to protect your most valued assets. This includes giving you coverage to ensure you can repair your home following a fire or other incident that results in damage. It also can give you coverage and support for any of your personal belongings covered by the plan. 

Those that want to buy a home in the Louisville, KY area should make sure they speak with someone that they can trust. The team with the Palacio Miller Agency is always a good resource to speak with when you are assessing your insurance needs. Palacio Miller Agency can offer a lot of support that will help you build a plan that will continue to provide you and your home with great coverage. 


  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


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