Terms of Service

RA Miller Agency is an independent insurance advisory firm based in Michigan. We help families, farmers, and business owners protect what matters most with personalized insurance solutions.

We are licensed insurance professionals who work with a variety of carriers to provide recommendations based on your needs. While we guide you through options, all insurance policies are ultimately issued by the insurance carriers. The carrier—not R A Miller Agency—is responsible for coverage decisions, underwriting approval, and claim payment.

Quotes are based on the information you provide. Accuracy matters—incorrect or incomplete details may affect your eligibility, pricing, or claim outcomes.

Coverage is not active until it has been issued and confirmed by the carrier. A conversation, proposal, or quote does not guarantee binding coverage.

Always review your policy documents carefully to confirm that coverage matches your expectations. If something looks unclear, ask us—we’ll walk you through it.

To serve you effectively, we ask that you:

Provide complete and accurate information about yourself, your household, your property, or your business.

Notify us of any changes in your situation (new home, new car, business changes, etc.) so we can review and adjust coverage.

Understand that timely premium payments are required to keep coverage in force.

We believe in ongoing support. This means:

We may recommend periodic reviews to ensure your coverage keeps up with life changes.

We provide general information and advice, but ultimate decisions about what to purchase are yours.

Our role is to educate and advise; we do not provide legal or tax advice. For those matters, we recommend speaking with a qualified professional.

We are committed to accurate guidance, but:

R A Miller Agency is not liable for claim denials, delays, or outcomes controlled by the insurance carrier.

We are not responsible for losses resulting from information that was withheld, misstated, or provided late.

Our liability to you is limited to the extent permitted by Michigan law.

We respect your privacy. Personal information you share with us is used solely to provide insurance services.

We may contact you by phone, text, or email as part of ongoing service. Standard messaging rates may apply.

See our [Privacy Policy] (if applicable) for more details.

The content on this site—text, graphics, and branding—is owned by R A Miller Agency. You may not copy, reuse, or distribute it without permission.

We may update these Terms of Service from time to time. Updates will be posted here with a new “Last Updated” date. By continuing to use our site or services after changes are posted, you accept the revised terms.

R A Miller Agency is here to help you insure what matters most — with advice you can trust.