FAQ
Home & Auto Insurance FAQs | Miller Insurance Agency – Beaumont, TX
Answers from the independent insurance experts Southeast Texas has trusted since 1983.
Auto Insurance FAQs
What auto insurance coverage is required in Texas? Texas law requires all drivers to carry minimum liability coverage of 30/60/25 — $30,000 per person for bodily injury, $60,000 per accident, and $25,000 for property damage. While this meets the legal requirement, it may not be enough to fully protect you in a serious accident. Our agents help Beaumont area drivers find coverage that goes beyond the minimum to make sure they are truly protected.
What is the difference between liability, collision, and comprehensive coverage? Liability pays for injuries and damage you cause to others. Collision covers your own vehicle after an accident regardless of fault. Comprehensive protects your vehicle from non-collision events like theft, fire, hail, and flooding — all serious risks in Southeast Texas. Most drivers in the Beaumont area benefit from carrying all three.
Does my auto insurance cover flood damage to my vehicle? Only if you carry comprehensive coverage. Flooding is one of the most common and costly causes of vehicle damage in the Beaumont area given the region’s storm history. If you only carry liability coverage, flood damage to your vehicle will not be covered. We strongly recommend comprehensive coverage for every driver in Southeast Texas.
Can I get coverage if I have a poor driving record or prior accidents? Yes. Miller Insurance works with carriers like Dairyland, GAINSCO, and Anchor General that specialize in coverage for high-risk drivers. If you have been turned down elsewhere or are overpaying because of your driving history, we can often find an affordable solution that works for your situation.
How can I save money on my auto insurance in Beaumont? The most effective ways to lower your auto premium include bundling your auto policy with your homeowners or renters insurance, maintaining a clean driving record, increasing your deductible, and insuring multiple vehicles on one policy. Because we shop across multiple carriers, we compare rates on your behalf to make sure you are always getting the most competitive price available.
Homeowners Insurance FAQs
Does homeowners insurance in Texas cover hurricane and wind damage? Most standard homeowners policies in Texas cover wind damage, including hurricane-force winds. However, in Southeast Texas, some policies carry separate wind and hail deductibles or may exclude windstorm coverage entirely. In those cases, coverage through the Texas Windstorm Insurance Association — TWIA — may be necessary. As a TWIA-appointed agency, Miller Insurance can help Beaumont area homeowners get the windstorm protection they need.
Does homeowners insurance cover flood damage? No — and this is one of the most critical coverage gaps for homeowners in Southeast Texas. Standard homeowners policies do not cover flood damage under any circumstances. Given Beaumont’s history with major flooding events and the number of properties in FEMA-designated flood zones, flood insurance is not optional for most homeowners in our area. Miller Insurance offers separate flood coverage to make sure you are fully protected.
What is the difference between actual cash value and replacement cost coverage? Actual cash value pays what your home or belongings are worth at the time of loss, after depreciation. Replacement cost pays what it would actually cost to rebuild or replace them at today’s prices. Given rising construction costs in Southeast Texas, replacement cost coverage is almost always the smarter choice. Our agents will make sure you understand which option your current policy includes and whether an upgrade makes sense.
Do I need flood insurance if I am not in a high-risk flood zone? Yes — we strongly recommend it. A significant number of flood claims in Texas come from properties outside designated high-risk zones. Flooding does not follow zone boundaries, and Southeast Texas has seen firsthand how quickly water can rise in unexpected areas. Flood insurance for lower-risk zone properties is often more affordable than most homeowners expect.
Why should I use Miller Insurance Agency instead of going directly to an insurance company? When you go directly to one company, you only see what that company offers. Miller Insurance shops your coverage across our full carrier network — including Foremost, National Lloyds, Tower Hill, TWFG, Swyfft, and others — to find the best combination of coverage and price for your home. You get one trusted local agent with over 40 years of Southeast Texas experience and access to multiple options, plus a real person who knows your name when you need to file a claim.
Ready to review your home or auto coverage? Call Miller Insurance Agency at 409-899-9531 or visit millerbeaumont.com to request a free quote today.