For a smoother, faster experience when you’re reporting a claim, we recommend having the following ready:
- Your contact information (name, phone number, email address)
- Name of insured (displayed on all policy documents and invoices)
- Policy number (displayed on all policy documents – three letters followed by nine digits)
- Date and location of loss
- Description of loss (type of property damage, description of injuries, etc.)
- Photos or videos (if available)
When we receive your rental property insurance claim, one of our dedicated representatives will reach out to get more information. Your claim will be assigned a unique number and a professional claims adjustor. They’ll evaluate the loss, answer your questions, and coordinate activities like estimates, repairs, and, where necessary, litigation.
If the damage is minor, we may simply ask you to get a repair estimate from a contractor of your choosing. Your claims adjustor will advise you on how to proceed based on that estimate. For more significant damage, we may need to send an appraiser or engineer to the location to assess the situation firsthand.
Either way, we’ll maintain an open line of communication with you to guide you each step of the way.
Protecting yourself and others should always be your first priority. If your property has sustained serious structural damage or may be unsafe – such as if you smell gas or believe electrical components might be exposed – you should contact the appropriate authorities to assess the building. Do not enter a structure that may be unsafe or hazardous.
If possible and safe to do so, however, we do encourage you to take steps to contain the damage. A few examples include:
- Putting a tarp or plastic over damaged windows or roofing to keep out moisture and animals
- Shutting off a structure’s water supply to stop a leak
- Enhancing ventilation in water-damaged areas (such as running fans and opening windows) to prevent mold growth
In short, when it’s safe to do so, you should always respond promptly to damages and concerns as they arise. When in doubt, call your agent or Millers Mutual to ask about any temporary repairs you should make to mitigate further damage. If you do make emergency repairs, retain copies of all receipts.
You can review your rental property insurance policy to see what’s covered and what may be excluded. If you’re still unsure, please don’t hesitate to reach out to your agent or a Millers Mutual representative. They’ll help you understand how your coverage applies to your particular situation.
The most important thing you can do when a loss occurs is to notify Millers Mutual immediately. We spring into action as soon as we know about a loss, so the sooner you contact us, the quicker we can help.
Here are other steps to help your claims experience go as smoothly as possible:
- Cooperate with your assigned claims adjustor. Remember, they’re there to help resolve your claim quickly and fairly. The more accurate information you’re able to provide them, the faster the claims process will go.
- Document everything. Take photos or video of all damage to structures and contents before beginning emergency repairs or cleanup. Identify potential witnesses and obtain their contact information, when possible.
- Gather other relevant documentation. Copies of leases, contracts, maintenance agreements, police reports, and similar documents can help us assess your rights and responsibilities.
You can check your claim status three different ways:
- Call your claim representative at 800-745-4555. Select option 2 for “Claims” at the voice prompt.
- Reach out to your Millers Mutual agent. They’ll be able to answer any questions you may have.
It’s always a good idea to file a claim when you experience a loss. Damage may be more significant than it originally appears, and liability lawsuits related to losses can occur at any time. For example, someone who falls on your property may appear to be fine but discover an injury later and decide to sue you.
To ensure you’re covered and compliant with the terms and conditions of your rental property insurance policy, you should always report any loss or damage that could lead to a claim.
Once a policy is bound, we mail invoices no later than 19 days prior to the due date. However, you may sign up for electronic billing to receive your invoice sooner.
Electronic billing is convenient, saves time, and allows you to receive bills anywhere, at any time. Plus, it helps the environment.
Paying online with an electronic check (EFT) from your bank account (checking or savings; subject to a $125,000 transaction limit) or with a credit/debit card (Visa, Mastercard, and Discover are accepted; subject to a $25,000 transaction limit) gives you the flexibility to pay how and when you want. It saves you the trouble of writing and mailing a check, and you can store your information for future use.
For ease and simplicity, all invoices are sent with a self-addressed envelope. You can also mail or overnight payments directly to:
3815 TecPort Drive, Suite 200
Harrisburg, PA 17111
Please write your account or policy number on your check or include the invoice payment slip. We are unable to accept hand-delivered payments. The most efficient way to make a payment is to pay online.
Access recent invoice information and payment options 24/7 by clicking “Make a Payment” on our website or by calling 844-627-2425.
Your 10-digit account number is located on the top right corner of the first page of your invoice.
Your seven-digit policy number is located on the second page of your invoice and is preceded by three letters (BOP, MPP, or UMB).
Yes! We currently offer four payment plan options:
- Annual: The entire premium is due by the due date on the invoice. No installment fee applies.
- Semiannual: You must have a minimum annual premium of $300 to be eligible. A payment of 50% of your annual premium is due by the due date on the first invoice. The remaining premium amount is due six months after the policy’s effective date. A maximum installment fee of $8 applies to each payment.*
- Quarterly: You must have a minimum annual premium of $600 to be eligible. A payment of 25% of your annual premium is due by the due date on the first invoice. The remaining premium amount will be billed in three equal installments due three, six, and nine months after the policy’s effective date. A maximum installment fee of $8 applies to each payment.*
- Monthly: You must have a minimum annual premium of $1,800 to be eligible. The premium will be billed in 12 equal installments, due each month starting on and then coinciding with the day of the month of your policy’s effective date. A 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 to policies for properties in Washington, D.C.
We listened! Our agents and insureds have asked for a true 12-month payment plan for quite some time. We believe this was a positive change in the eyes of the vast majority of our customers.
Payment due dates are based on the effective date of your policy and can’t be changed. Installment plans can be changed, subject to minimum premium requirements and underwriter approval. Please submit these requests to your agent or firstname.lastname@example.org.
Yes. However, paying less than the total minimum amount due may result in a notice of cancellation being issued and a late fee being assessed.
A notice of cancellation will be issued and a late fee of $10 will be assessed if the minimum amount due is not received within five calendar days after the due date. After that time, self-service electronic payments will not be processed. If a notice of cancellation is issued, please contact your agent for assistance.
Please contact your agent for assistance with a canceled policy. You may be subject to a $10 late fee and a $15 reinstatement fee.
If your check or electronic payment request is returned to us unpaid, a $35 return fee will be applied, and other fees may be applicable. An additional installment fee may also result from unpaid fees, if invoiced separately.
There is a $5.30 convenience fee per credit/debit card, PayPal, and Venmo transaction, as required by our payment processor. However, there is no convenience fee associated with electronic check (EFT) transactions.
This is a nonrefundable fee that helps cover expenses related to accepting credit and debit card payments. Currently, there’s a $5.30 convenience fee per credit/debit card, PayPal, and Venmo transactions, as required by our payment processor. There is no convenience fee associated with electronic check (EFT) transactions.
If you add or remove coverage during the billing cycle, your next invoice will reflect the adjusted premium amount. You should pay the minimum amount due on your current invoice in the meantime.
If changes to your policy result in a credit balance for the remainder of the policy term, Millers Mutual will issue you a refund check.
Traditionally, each policy that you maintain with us will be invoiced separately. However, if you register for electronic billing and payment options through our online bill pay system, you can link your policies and gain access to combined notification and payment options.
When you register policies under the same email address, you’re given the option to link your accounts within the service. Account linking allows you to pay all of your invoices with a single transaction. Beyond streamlined bill pay for multiple policies, you’ll receive one easy-to-read email for all account notifications scheduled for the same day.
Even with linked accounts, however, payment receipts are sent individually. If you edit account information – like your email address or password – the change will be reflected across all linked accounts. However, changing other settings – like AutoPay or paperless options – will only change them for the account you’re currently accessing.
Select “Make a Payment” from the navigation bar at the top of the website. You do not need a sign-in ID or password to make a payment online, but you will need to supply your email address, billing zip code, and your 10-digit account number. Your account number is located on the top right corner of the first page of your invoice.
Yes, an email address is required so we can send your payment confirmations directly to your inbox.
No, registration is not required for one-time payments. However, if you register, you’ll be able to view your payment history, set up automatic payments, and store payment information, if desired.
If your bill is not appearing, please double-check that the correct information was entered in the search criteria. For example, an exact match of your full 10-digit account number is required.
You can pay with an electronic check (EFT) from your bank account (checking or savings; subject to a $125,000 transaction limit) or with a credit/debit card (Visa, Mastercard, and Discover are accepted; subject to a $25,000 transaction limit).
Please note there is a $5.30 convenience fee for credit and debit card transactions, as required by our payment processor. There is no convenience fee associated with electronic check (EFT) transactions.
Yes! You may use one payment method for a partial payment, then one or more other payment methods for remaining partial payment(s).
Electronic check (EFT) transactions are posted to your invoiced account immediately and typically take one to two business days to be reflected in your bank account. Credit and debit card transactions are posted to your invoiced account immediately and are authorized and settled immediately.
Yes. Simply sign in to your online bill pay account and select “View paid or closed invoices.”
The standard retention period for payments made through the online bill pay system is 12 months.
Yes, you will receive an email informing you that a new invoice has been generated for you to view and pay online. If your policy has renewed, please add the current year to your policy list in the “Policy Summary” menu.
Yes, each invoice is presented in PDF and HTML format. Electronic storage is recommended because it saves paper and benefits our environment, but you can choose to print your bill.
After you submit your payment, you will see a payment confirmation screen. It will show a processed number for electronic check (EFT) or an approved number for credit and debit cards.
You will also receive a confirmation email after your transaction is submitted. The email will include your account number, amount paid, and confirmation message. If your electronic check is returned by your bank, you will receive an email informing you of the rejected payment, typically within one to three business days.
You can schedule a payment to be posted to your account at a future date by registering for your online bill pay account. Once you sign in, go to “My Profile” and select “Recurring Scheduled Payments” to schedule a payment.
One or more accounts can be paid in a single electronic check (EFT) transaction, the total of which cannot exceed $125,000. One or more accounts can be paid in a single credit or debit card transaction, the total of which cannot exceed $25,000.
Yes, you can delete a future scheduled payment using the “Scheduled Payment” menu. All of your scheduled payments are listed in this menu with the option to either “View Detail” or “Delete” the scheduled payment. You may also contact a billing department representative during normal support hours to have your scheduled payment deleted for you.
The reference number on your payment receipt is an internal reference number for Millers Mutual. The reference number received from your bank is the ACH network trace number. We are able to research and locate your payment using either number when you call or email a billing department representative during normal support hours.
You can securely save your banking information in a payment profile when you make a payment or through the payment profile menu. Payment profiles can be managed through the “Payment Profiles” tab.
You can create multiple payment profiles but can only use one profile per transaction. For example, account number 0000001998 can be paid using Payment Profile 1 and account number 0000002003 can be paid using Payment Profile 2 in two separate payment transactions.
Your sign-in ID/username is the email address associated with your account(s).
Click on “Forgot Your Password?” at the bottom of the sign-in screen to have a temporary password emailed to you. You will need your account number and email address. If you’re unable to locate this information, you may call a billing department representative during normal support hours. After verifying your identity, they’ll be happy to assist you.
Your password will be locked if you enter an incorrect password three times. The system will let you know when the lock will be removed so you can enter the correct password. If you don’t remember the correct password, you’ll need to reset it by clicking “Forgot Your Password?” at the bottom of the sign-in screen.
You can change your online billing information under the “My Profile” tab after you sign in to your account. If you want to change your billing mailing address, you’ll need to contact your agent or our billing department during normal support hours.
Go to the “My Account” menu to check that the right email address is on file. If not, you can change the email address. An email confirming the change will be sent to both the old and the new email addresses.
If the email address on file is correct, go to your email account and check that our emails aren’t being filtered into junk or spam.
AutoPay is a convenient option that allows your bills to be paid automatically each month using your bank account. No more worrying about forgetting to make your payment or paying late fees. Just sign in to your online bill pay account and click on “AutoPay” to enroll.
This is required based on the ACH (Automated Clearing House) rules from Nacha (National Automated Clearing House Association). If you do not accept the terms and conditions agreement, you will not be permitted to pay online via electronic check (EFT).
Yes. Simply sign in to your online bill pay account and click on “AutoPay.” Next, select “Edit,” change the status to “No, I do not want AutoPay,” and then save your changes.
Your AutoPay payments won’t appear on the home page. Navigate to the “Scheduled Payments” page to see your AutoPay date and amount.
Scheduled payments are individual payments that are scheduled for a future date. The date of a scheduled payment can be changed as long as it is adjusted before the day it’s scheduled.
AutoPay is an automated, recurring process that pays your bill’s minimum amount due each month, drafting funds directly from your bank account. Once you enroll in AutoPay, you don’t have to do anything else to make sure your bills are paid.
A scheduled payment is a one-time payment that you manually enter for a future date. This option lets you use your bank account, credit card, or debit card for the transaction.
To make sure your automatic payments are correct and account for any changes to your policy, you should cancel your bank’s automated draft before the next payment is due, then enroll in either AutoPay or recurring scheduled payments through your Millers Mutual online bill pay account.
You will receive an email notification each time a new bill is ready for you to view and pay. Email notifications go to the email address used when you registered. A courtesy email address may be added if you wish to send notifications to an additional email address. Enrollment in paperless billing will be completed by acknowledging an email confirmation notice sent to you.
Yes. Just sign in to your online bill pay account and click on “Paperless.” Then, select “No,” and save your changes.
Pay by text is a convenient way to pay your bill by text message (SMS). Your bill notifications will be sent by text message (in addition to email notifications), and you’ll have the option to pay via text message with your default payment method by simply replying.
You may enroll in pay by text when making an online payment or by accessing your account and selecting the “Pay by Text” option. A confirmation request will be sent to you in order to complete your enrollment.
Our payment processor uses the highest standards in internet security, including HTTPS (TLS/SSL), for all transmission of data. Account information displayed within the payment portal is truncated to protect confidential data. Any information retained is not shared with third parties.
Absolutely. Our payment processor will safely store your financial information using systems that are compliant with payment card industry (PCI) security standards. This includes truncating (abbreviating) account numbers so that even we do not see your complete account information.
The Payment Card Industry Security Council establishes requirements for any entity that accepts, transmits, or stores credit card information. Compliance with these requirements helps ensure your information is as protected as possible.