Home Insurance: Protecting Your Biggest Investment

Your home is more than just a structure; it's where your life happens. Our home insurance policies provide comprehensive coverage for the dwelling, your possessions, and your personal liability, ensuring financial security no matter what comes your way.

• Dwelling Coverage: Protection for the physical structure of your home, attached garages, and built-in appliances against covered perils (like fire, wind, and storm damage).

• Personal Property: Covers your contents—furniture, electronics, clothing, and valuables—whether they are damaged or stolen, both inside and outside the home.

• Liability Protection: Provides coverage for legal costs, medical bills, and damages if someone is injured on your property.

• Additional Living Expenses (ALE): Pays for temporary housing, food, and other costs if you cannot live in your home due to a covered loss.

Auto Insurance: Protecting Your Journey

The road can be unpredictable. With Miriam Insurance, you get more than just a mandatory policy; you get peace of mind knowing you're protected against collisions, theft, and liability.

• Comprehensive Coverage: Protection against non-collision incidents like fire, theft, or weather damage.

• Collision Coverage: Pays for the repair or replacement of your vehicle if damaged in an accident.

• Liability Coverage: Essential coverage for bodily injury and property damage you may cause others.

• Personalized Planning: We look for every possible discount—multi-policy, safe driver, and bundling—to keep your rates low without compromising coverage.

Commercial Insurance: Shielding Your Business Future

Your business is your livelihood. We offer robust commercial policies designed to protect your assets, employees, and operations from the unexpected, allowing you to focus on growth.

• General Liability: Protects your business from claims of bodily injury or property damage that occur on your premises.

• Property Insurance: Covers your building, equipment, inventory, and other business assets.

• Workers’ Compensation: Essential coverage for medical expenses and lost wages for employees injured on the job.

• Business Interruption: Replaces lost income if your business has to temporarily close due to a covered loss.

Healthcare Insurance: Affordable, Quality Care

Finding the right health plan shouldn't be a headache. We simplify the process, helping you select a plan that fits your family's specific medical needs and budget.

• Individual & Family Plans: Comprehensive options for those who do not receive coverage through an employer.

• Dental & Vision: Add-on benefits to keep your whole family healthy.

• Life Changes & Special Enrollment: Expert advice when you need to switch plans outside the standard enrollment window.

• Clarity on Deductibles: We explain the fine print, ensuring you understand your out-of-pocket costs and benefits before you enroll.