Miller and Associates Insurance Agency of Edmore is a family owned local insurance agency established in 1962 with one goal in mind- helping you find a stable, honorable and reasonable insurance agency to protect what is valuable in your life or business. Originally the Miller-Gamwell Agency, the insurance company was formed as a partnership between Charles Miller and Charles Gamwell in 1962.
Charles Gamwell retired in 1987, and the business was renamed Miller and Associates of Edmore in 1997. Family members from both the Miller and Gamwell lineage still operate the insurance business with that same small town service. At Miller & Associates Insurance Agency, we value you as a customer, and stand behind our philosophy of providing excellent service along with a friendly smile and handshake.
Geico spends nearly $1 BILLION per year advertising. Now, that's a lot of lizard fluff! And what do you get from Geico with that money? A lizard commercial. And as far as claims service, give your local body shop a call and see who treats you fairly.
Charles Gamwell retired in 1987, and the business was renamed Miller and Associates of Edmore in 1997. Family members from both the Miller and Gamwell lineage still operate the insurance business with that same small town service. At Miller & Associates Insurance Agency, we value you as a customer, and stand behind our philosophy of providing excellent service along with a friendly smile and handshake.
Geico spends nearly $1 BILLION per year advertising. Now, that's a lot of lizard fluff! And what do you get from Geico with that money? A lizard commercial. And as far as claims service, give your local body shop a call and see who treats you fairly.
Services
Though it seems easy enough, making sure that each one of these items is properly covered is important.
For example, there are a number of factors in determining the replacement value of your home, it's not just the amount you purchased it for.
And, when it comes to personal property, you don't want to get hung out to dry because you didn't properly document the items that the policy covers.
For example, there are a number of factors in determining the replacement value of your home, it's not just the amount you purchased it for.
And, when it comes to personal property, you don't want to get hung out to dry because you didn't properly document the items that the policy covers.
We are proud to be providers of farm insurance from three top quality insurance companies.
Miller and Associates also understands farmers sometimes have special circumstances, such as potato farms, or deer enclosures and can help you customize your policy to cover your unique exposures.
This portion of the policy is nearly identical to the homeowners policy, with coverage for dwelling and contents built together in one package.
Also included are non-farm buildings, and loss of use.
Dwellings can be written on either a replacement cost basis, or a cash value basis.
Miller and Associates also understands farmers sometimes have special circumstances, such as potato farms, or deer enclosures and can help you customize your policy to cover your unique exposures.
This portion of the policy is nearly identical to the homeowners policy, with coverage for dwelling and contents built together in one package.
Also included are non-farm buildings, and loss of use.
Dwellings can be written on either a replacement cost basis, or a cash value basis.
The attempt to make auto insurance a commodity is what you see in advertising today.
Geico, 21st Century, Esurance are all high volume marketing machines designed to trick you into thinking all policies are the same.
If everything has identical content, then price is the only consideration, right?
Well not really.
One of the greatest factors often overlooked is a company's claims paying fairness and its ability to pay.
Why pay the money if they wont pay you back?
Give your local auto body shop a call and ask them if there is a difference between companies.
Geico, 21st Century, Esurance are all high volume marketing machines designed to trick you into thinking all policies are the same.
If everything has identical content, then price is the only consideration, right?
Well not really.
One of the greatest factors often overlooked is a company's claims paying fairness and its ability to pay.
Why pay the money if they wont pay you back?
Give your local auto body shop a call and ask them if there is a difference between companies.
Your most important asset is your life, so make sure you protect it with quality life insurance!
Level Term Coverage: Life coverage for 10, 20, and 30 year terms, these policies are generally structured for a certain purpose.
This can be varied, but most are used to protect a mortgage or debt obligation (term varies with the length of the note), raise a family (20 years gets them out of the house), or protect an income from suddenly stopping (what would happen to me if my husband died?)
Generally whole life is purchased when a person is very young and designed to be paid for the "whole life".
Level Term Coverage: Life coverage for 10, 20, and 30 year terms, these policies are generally structured for a certain purpose.
This can be varied, but most are used to protect a mortgage or debt obligation (term varies with the length of the note), raise a family (20 years gets them out of the house), or protect an income from suddenly stopping (what would happen to me if my husband died?)
Generally whole life is purchased when a person is very young and designed to be paid for the "whole life".
Extreme penalty for surrender and no logical early outs such as death or entry into a nursing home etc.
Commonly high bait rates have terms that allow the contract to fall to a very low interest rate for the remainder of the contract.
In these annuities, after about 3 years the average interest earned is much less than the market rate for safe investments, and the annuitant is essentially being taken advantage of.
Promise of high returns.
BEWARE, if the rate is above market rates for safe investments, then there is either unusually high risk or false statements.
Commonly high bait rates have terms that allow the contract to fall to a very low interest rate for the remainder of the contract.
In these annuities, after about 3 years the average interest earned is much less than the market rate for safe investments, and the annuitant is essentially being taken advantage of.
Promise of high returns.
BEWARE, if the rate is above market rates for safe investments, then there is either unusually high risk or false statements.
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