© 2015   Harold D Miller Insurance Agency. Inc.                        

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Coverages, exclusions, limitations, policy terms and conditions, and eligibility for insurance or discounts, may vary from state to state and each are subject to the underwriting guidelines and rules in effect for the relevant state at the time of purchase.  Please refer to your HDM Insurance Agent or the policy itself for definitions, coverages, exclusions and other terms and conditions.  If any policy provision conflicts with the information presented on this Website or by any HDM Insurance Agent, the policy language is controlling and supersedes.

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Home Insurance
  •  The structure of your home

  •  Replacement costs

  •  Personal possessions (up to a set limit)

  • Living expenses in case of a disaster

  • Liability

 

Homeowner’s coverage doesn’t have to be difficult to understand.

You can also add supplemental policies such as:

  •  Valuable Articles/Floater policies

         (i.e. Jewelry Insurance)

  •  Flood policies

  •  Umbrella policies (additional liability)

Life Insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones.

  • Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

INSURANCE AND AFFILIATES

  • Classic Car Insurance – Your classic car is an icon. Insure it well.

  • RV and Mobile Home Insurance – Home insurance for your home-on-the-road.

  • Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.

  • Auto Insurance – Get the right insurance coverage for your car, truck, van or

        other vehicles.

  • Motorcycle Insurance – Ride safe and insure your motorcycle.

  • ATV and Motorsport Insurance – Insurance policies that cover all your toys.

 

The insurance protection you need when you’re on the move:

Auto Insurance

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