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Trusted Rental Property Insurance Solutions in Harrisburg, PA
Millers Mutual Group has been a trusted leader in rental property insurance since 1890, specializing in multifamily housing and mixed-use properties. Our deep industry expertise and century-long commitment to the sector enable us to deliver tailored risk management solutions that address the unique challenges property owners face. With a team of seasoned professionals, we offer comprehensive coverage options including businessowners policies, cyber insurance, and employment practices liability, backed by an A (Excellent) rating from AM Best.Our focus on compassion and community extends to every interaction, ensuring clients receive not only financial protection but also unwavering support during claims. Headquartered in Harrisburg, Pennsylvania, we serve markets across the Mid-Atlantic and Midwest, combining local knowledge with national resources to protect our clients' investments.
Services
Rental Property Insurance
Apartment Building Coverage
Commercial Real Estate Insurance
Dwelling Insurance
Student Housing Protection
Highlights and features
- We specialize exclusively in multifamily housing insurance with 135+ years of industry experience.
- Our A (Excellent) AM Best rating ensures financial stability and reliable claims fulfillment.
- We offer 24/7 emergency claims assistance and rapid resolution processes.
- Our coverage includes innovative solutions like cyber insurance and extended replacement cost options.
- We combine local market expertise with national resources to serve properties up to $5 million in value.
Associations and certifications
- AM Best
What people say
Quick claim resolution
Compassionate service
Affordable pricing
Thorough coverage
Expert risk management
Services
Rental Property Insurance
Our rental property insurance protects multifamily housing investments up to $5 million in value. This comprehensive coverage addresses risks like fire, water damage, natural disasters, and liability claims while offering optional enhancements such as extended replacement cost coverage. With policy terms tailored to both small landlords and large portfolios, our solutions include businessowners policies that combine property, liability, and income protection in a single package.
Cyber Insurance
Cyber insurance safeguards property owners against digital threats including data breaches and ransomware attacks. Our policies cover first- and third-party damages, legal defense costs, business interruption losses, and regulatory fines. This coverage is particularly valuable for landlords managing tenant information and rental operations through digital platforms, providing critical protection in an increasingly connected business environment.
Commercial Umbrella Insurance
Commercial umbrella insurance provides additional liability protection beyond standard policy limits. Available up to $10 million in coverage, this solution protects against catastrophic claims that could threaten business assets. It complements primary policies by extending protection for lawsuits, property damage incidents, and other liability exposures unique to commercial real estate operations.
Tenant Screening Services
Our SmartMove tenant screening service enables thorough background checks for prospective renters. The platform provides credit history, eviction records, and criminal background checks through an online portal that also tracks tenant insurance policies. This streamlined process helps landlords make informed decisions while maintaining compliance with fair housing regulations.
Workers Compensation Insurance
Workers compensation coverage protects businesses against workplace injury claims through a partnership with Eastern Alliance Insurance Group. Our program includes advanced claims management and risk reduction services to help prevent incidents while supporting employee recovery. This coverage addresses medical expenses, lost wages, and legal costs associated with work-related injuries or illnesses.
People
Jeffrey S. Pratt
President and Chief Executive Officer
Jeffrey Pratt leads Millers Mutual Group with 25+ years of insurance and banking experience. He holds an MBA in finance and accounting, along with Certified Treasury Professional and Licensed International Financial Analyst designations. Pratt previously served in financial leadership roles at Penn National Insurance before joining Millers in 2015.
Karen Anuscavage
Vice President of Human Resources
Karen Anuscavage directs HR operations with 20+ years of talent management expertise. She specializes in organizational design and employee relations, having previously worked at Old Guard Mutual and Westfield Insurance. Karen graduated with high honors from Albright College with a degree in applied psychology.
Mickey Bekelja
Chief Financial Officer
Mickey Bekelja oversees financial operations with 25+ years in insurance finance. A Certified Public Accountant, he previously worked at KPMG and Donegal Insurance before joining Millers in 2006. He holds a Bachelor of Business Administration in Accounting from the University of Notre Dame.
Joe Begyn
Vice President of Underwriting
Joe Begyn leads underwriting with 15+ years in property and casualty insurance. He holds multiple industry designations including Chartered Property Casualty Underwriter and Construction Risk Specialist. Prior to Millers, he worked at Liberty Mutual and Westfield Insurance in underwriting roles.
Scott Billett
Vice President of Operations
Scott Billett manages operations with 20+ years at Millers Mutual Group. A Certified Property Casualty Underwriter, he has held claims and underwriting leadership roles since joining in 2002. He earned a Master of Science in Insurance Management from Boston University.
Questions
What information do I need to report a claim?
To report a claim, have your policy number, loss details (date, location, description), contact information, and any supporting documentation like photos or repair estimates ready.
How can I prevent additional property damage after a loss?
Take immediate safety precautions like securing damaged areas with tarps, shutting off utilities if needed, and enhancing ventilation to prevent mold growth while avoiding unsafe structures.
What payment plans are available for premiums?
We offer annual, semiannual, quarterly, and monthly payment plans with low installment fees, plus electronic payment options for added convenience.
How do I access my insurance documents online?
Register for our online bill pay system to view invoices, set up automatic payments, and access policy documents 24/7 using your account number and email address.
What areas do you serve?
We provide coverage across Pennsylvania, Delaware, Maryland, North Carolina, Ohio, Virginia, and Washington, D.C. for multifamily housing and commercial properties.
Do you offer cyber insurance for property owners?
Yes, our cyber insurance covers data breaches, ransomware attacks, and third-party claims with protections for legal defense costs and business interruption losses.
