Frequently Asked Questions

Auto Insurance

1. What does auto insurance cover?

Auto insurance can cover damage to your vehicle, injuries, liability claims, medical expenses, uninsured motorists, theft, vandalism, hail damage, and more, depending on the coverages you select.

2. Why should I use an independent insurance agency?

As an independent agency, Miller-Hartwig Insurance works with multiple top-rated insurance companies. This lets us compare coverage and pricing to find the best fit for your needs and budget.

3. What information do I need to get an auto insurance quote?

We’ll need your driver’s license, vehicle details, driving history, address, and current insurance to provide an accurate quote.

4. Does my auto insurance cover rental cars?

Many auto insurance policies provide some coverage for rental vehicles, but coverage varies. Our team can review your policy and help you understand your protection before you rent a vehicle.

5. How can I lower my auto insurance premium?

You can lower your premium by bundling insurance policies, maintaining a good driving record, increasing deductibles, improving your credit, or qualifying for discounts like safe driver, multi-vehicle, or homeowner discounts.

Homeowners Insurance

1. What does homeowners' insurance cover?

Homeowners insurance covers your home, personal belongings, liability claims, guest injuries, and additional living expenses if your home is damaged by a covered loss like fire, wind, hail, or theft.

2. Is homeowners' insurance required?

Homeowners insurance is not required by law, but most mortgage lenders require it to protect the property and the loan.

3. Does homeowners' insurance cover water damage?

Some water damage may be covered, while flooding, sewer backup, or gradual leaks require additional coverage. Our team can help review your policy and options.

4. How much homeowners' insurance do I need?

The right coverage amount depends on factors such as your home’s replacement cost, personal property, liability needs, and any additional structures on your property.

5. Can I bundle my home and auto insurance?

Yes. Bundling your home and auto insurance can often save you money and simplify your coverage with a single insurance company.

Business Insurance

1. What is business insurance?

Business insurance protects companies against financial losses arising from property damage, lawsuits, employee injuries, vehicle accidents, theft, and other unforeseen events.

2. What types of business insurance do I need?

Coverage needs vary based on your business type, size, and operations. Common options include general liability, commercial property, workers’ compensation, commercial auto, cyber liability, and professional liability insurance.

3. Is workers’ compensation insurance required in Minnesota?

Yes. Most Minnesota businesses with employees must carry workers’ compensation insurance to cover work-related injuries and illnesses.

4. What does general liability insurance cover?

General liability insurance covers bodily injury, property damage, legal expenses, and advertising injury claims related to your business.

5. Why should I use an independent insurance agency for business insurance?

An independent agency such as Miller-Hartwig Insurance compares coverage from multiple insurers to find protection tailored to your business and budget.

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