Frequently Asked Questions

FAQs

Common questions, answered

Have insurance questions? We’ve got the answers. And to make navigating the answers easier, we’ve broken the frequently asked questions into several categories.

Billing and Payment FAQs

Millers Mutual offers flexible and convenient options for paying your policy premium.  Below, we’ve provided answers to some of our customers’ most common billing and payment questions.  If you have questions that aren’t answered here, please call our Billing Department at 800-745-4555 (select #3 at the voice prompt).

When does Millers Mutual mail my invoice?

We send invoices no later than 19 days prior to the due date.

Can payments be automatically deducted from my bank account?

At this time, Millers Mutual does not offer a recurring electronic funds transfer (EFT). We hope to offer this payment option in the near future. However, you can choose a single occurrence EFT option whenever you pay your bill online.

How do I pay my bill online?

Select ‘Make a Payment’ from the navigation bar at the top of the website. You do not need a login ID or password to make a payment online, but you will need to supply your account number, ID code, and minimum payment due – all of which are listed on your current invoice. Please use the information on your current invoice exactly as presented, including capitalization and any leading zeros when referencing these numbers/codes.
Note: Payments may be accepted online up through 5 calendar days after the payment due date. 
Pay your bill online now

What is the mailing address for payments sent by regular or overnight mail?

For your convenience, all invoices are sent with a green, self-addressed envelope. You can also mail payments directly to:
Millers Mutual
3815 TecPort Drive, Suite 200
Harrisburg, PA  17111
We are unable to accept hand-delivered payments. The most cost-effective way to make a payment is to pay online.

Where can I find my account or policy number?

Your account number is located on the top right corner of the first page of your invoice. Your policy number is located on the second page of your invoice and starts with three letters (BOP, MPP, or UMB).

Does Millers Mutual offer installment payment plans?

The following payment plans are available — all of which are subject to a required $250 minimum installment amount. Future coverage endorsements may impact payment plan eligibility.
ANNUAL:
  • The entire premium is due by the due date on the invoice. No installment fee applies.
SEMI ANNUAL:
  • Minimum annual premium of $500 for eligibility
  • 50% of annual premium is due by the due date on the first invoice
  • Remaining premium is due six months after the policy effective date
  • Maximum installment fee of $8 applies to each payment*
QUARTERLY:
  • Minimum annual premium of $1,000 for eligibility
  • 25% of annual premium is due by the due date on the first invoice
  • Remaining premium will be billed in three equal installments, due: three months, six months and nine months after the policy effective date
  • Maximum installment fee of $8 applies to each payment*
MONTHLY (9 Pay):
  • Minimum annual premium of $2,500 for eligibility
  • 20% of annual premium is due by the due date on the first invoice
  • Remaining premium will be billed in eight equal installments, due every 30 days after the policy effective date
  • Maximum installment fee of $8 applies to each payment*
NOTE: Mortgagee bill and premium finance premium payment plans are billed by the company and must be paid on an annual basis.
 *A $7.50 fee applies on DC policies.

Can I change my due date or installment plan?

Payment due dates are based on the effective date of your policy and are unable to be changed.  Installment plans can be changed, subject to minimum premium requirements and underwriter approval. Please submit these requests to contactmillers@millersinsurance.com or contact your agent.

Can I make a payment less than the minimum payment amount due shown on my invoice?

No. Making a partial payment, or paying less than the minimum payment amount due, as shown on your invoice, may result in a Notice of Cancellation being issued and a late fee being assessed.

What happens if my payment is late or if I miss a payment?

A Notice of Cancellation will be issued and a late fee of $10 will be assessed if the minimum payment amount due is not received within 5 calendar days after the due date. If this happens, please contact your agent for assistance.

What should I do if my policy cancels for non-payment?

Please contact your agent for assistance with a cancelled policy. A $10 late fee will apply, and a $15 reinstatement fee may apply.

If I change my policy in the middle of the policy term or billing cycle, how will it affect my current bill?

If you make a change to your policy during the billing cycle (adding or deleting coverage), you should still pay the minimum payment amount due, as displayed on your current invoice. Any necessary premium adjustments will be reflected on your next invoice. If changes to your policy result in a credit balance for the full policy term, Millers Mutual will issue you a refund check.

Can I get a consolidated invoice for all my Millers Mutual insurance policies?

Millers Mutual issues a separate invoice for every policy you maintain with us. If you have two policies (i.e., a businessowners policy and an umbrella policy), you will receive two separate invoices. We know customers prefer the convenience of having all policies consolidated on a single bill, and we’re working on providing that capability.

What additional fees may apply to my policy?

If your check or electronic payment request is returned to us, a $35 fee will be applied and other fees may be applicable.

Who should I contact if I have questions about my bill, payment options, or a cancellation notice?

Our Billing Department, 800-745-4555 (select #3 at the voice prompt), is available to take your calls during business hours (Monday – Friday, 8:00 a.m. – 4:30 p.m. EST, excluding holidays). Of course, your agent can also answer questions related to your insurance policy. If you need to make an electronic payment, please see “Can I pay my bill online?” above.

Claims FAQs

To help you feel more comfortable about filing a claim, we’ve provided answers to some of our customers’ more common claims-related questions.

What information do I need to report a claim?

We can start helping you more quickly if you provide us with the following information when you report a claim:
  • Your own contact information (name, phone, e-mail)
  • Name of Insured (displayed on all policy documents and invoices)
  • Policy number (displayed on all policy documents – three letters followed by nine digits)
  • Date of loss
  • Location of loss
  • Description of loss (type of property damage, description of injuries, etc.)
  • Photos or videos – if available

What happens after I report a claim?

A Millers claim representative will contact you to collect additional information about the nature of your claim and related damages. We will assign a claim number and a professional claims adjustor to evaluate the loss, answer questions, and coordinate all other activities (estimates, repairs, litigation, etc.) related to your claim.
For minor damage, we may simply instruct you to obtain a repair estimate from a contractor of your choosing and our adjustor may authorize you to proceed with repairs based on that estimate. For major damage, we may need to send an appraiser or engineer out to assess the situation first hand. Either way, we’ll let you know how to proceed based on the information we collect when you report a claim.

What should I do to prevent additional damage to my property after a loss?

Protecting yourself and others should always be your first priority. If your property has sustained serious structural damage, if you smell gas, or if you suspect exposed electricity, contact local authorities to assess safety before entering a damaged building.
If possible, you should protect your property by making reasonable temporary repairs to prevent more severe or extensive damage. For example, you may be able to stop a water leak by shutting off the water valve, you can hang plastic over damaged windows or roofs to prevent water from entering a building, or you may be able to prevent mold by taking steps to dry out a water-damaged area of a building. Certainly, letting a minor problem turn into a major problem by ignoring it is not advisable.  When in doubt, call your agent or Millers Mutual to ask about the temporary repairs you should make to mitigate further damage. And, of course, if you do make emergency repairs, retain copies of all receipts.

How do I know if my claim will be covered?

The best place to start is with your policy.  It spells out the details of what is covered and what is not.  Please do not hesitate to contact your agent or Millers claim representative to help you understand how your insurance policy applies to your particular situation.

What can I do to help settle my claim quickly?

  • The most important thing you can do when a loss occurs is to notify Millers immediately.  We spring into action as soon as we know a loss has occurred.  And the sooner we know about a loss, the quicker we can respond.
  • Cooperate with the claims adjustor who is assigned to handle your claim.  Remember, this individual is committed to resolving claims quickly and fairly. The more information you provide to help the adjustor do his/her job, the faster we can process your claim.
  • Take photos or video of all building or content damage before making emergency repairs.  Document the damages and – when appropriate – identify potential witnesses.
  • Provide copies of any leases, contracts, maintenance agreements, police reports, etc., to help us assess your rights and responsibilities.

Who do I call if I have a question about the status of my claim?

You can call your Millers claim representative at 1-800-745-4555 (select #2 for Claims at the voice prompt). Of course, your agent can also assist you with questions related to the status of your claim.

What if I think my losses will be less than my deductible? Should I still file a claim?

It’s always a good idea to file a claim when you experience a loss. It isn’t uncommon for damages that appear minor on the surface to grow larger as additional details are discovered. And lawsuits for liability damage can come out of left field at any time. For example, someone who falls on your property may appear to be fine, but injuries could be discovered at a later date. To make sure you’re covered in accordance with the terms and conditions of your policy, it’s always better to play it safe by reporting any loss or damage that could potentially turn into a claim.

How do I report a claim after hours?

Claim situations are when our customers need us most. There are situations where you may require urgent after-hours assistance. If this is the case, we urge you to contact us as soon as possible to commence the claims process. After-hours emergency claims assistance is available by calling 717-585-2918 (primary) or 717-480-6264 (secondary).