Nanette McClelland-Miller

About Nanette McClelland-Miller, your local neighborhood State Farm Agent:

Nanette holds a bachelor’s degree from McNeese State University and brings over 31 years of experience in the insurance industry. She is committed to providing individualized service and helping policyholders review coverage as their needs change throughout the year.

• More than 25 years serving Anthem and nearby communities

• Licensed insurance agents focused on personalized service and competitive pricing

• Insurance options available in Arizona, California, New Mexico, and Utah

• Active community participation in events such as Anthem Days and the Veterans Day Parade

• Recipient of awards including Ambassador Travel Qualifier, Legion of Honor, Bronze Tablet, Silver Scroll, and Crystal Excellence

• Proud member of the Anthem Rotary Foundation, Anthem Chamber of Commerce, and Carefree/Cave Creek Chamber of Commerce

August means back-to-school season in Anthem, Phoenix, and communities throughout Arizona. Children are returning to the classroom, teen drivers are commuting to school, and many college students are moving into dorms or apartments.

With new schedules, vehicles, living arrangements, and responsibilities, August is a great time for a mid-year insurance checkup.

A quick conversation with your insurance agent can help confirm that your home, vehicles, student drivers, personal belongings, and business remain properly protected.

Back-to-School Insurance Reminders for Arizona Families

As your household begins a new school year, consider reviewing:

• Auto insurance for teen and college student drivers

• Coverage for a newly licensed driver or recently purchased vehicle

• The address where a college student’s vehicle will be kept

• Renters insurance for students living off campus

• Coverage for laptops, tablets, bicycles, musical instruments, and other valuables

• Homeowners insurance after renovations or major purchases

• Umbrella insurance for additional personal liability protection

• Business insurance if staffing, equipment, or operations have changed

Even a small change—such as a student moving away, taking a vehicle to college, joining a carpool, or beginning a new commute—may affect your insurance needs.

Does My Teen Driver Need to Be Added to My Auto Insurance?

If your teenager has received a learner’s permit or driver’s license, contact your insurance agent. Requirements can vary by insurance company and policy.

Your agent can help you review:

• When a permitted or licensed driver should be added

• Liability coverage limits

• Comprehensive and collision coverage

• Uninsured and underinsured motorist coverage

• Roadside assistance and rental car coverage

• Available good-student or driver-training discounts

• Telematics or safe-driving programs

• Coverage for a vehicle used to commute to school or work

Teen drivers may face additional risks during the school year, including crowded parking lots, morning traffic, unfamiliar routes, and distracted driving. Reviewing coverage before school starts can help prevent unwanted surprises.

What Insurance Does a College Student Need?

A college student’s insurance needs may depend on where they live, whether they take a vehicle to school, and how often they return home.

Students Living in a Dorm

Personal belongings may have limited coverage under a parent’s homeowners policy, depending on the policy’s terms, limits, and deductibles. Ask your agent about coverage for:

• Laptops and tablets

• Smartphones and electronics

• Clothing and furniture

• Bicycles and e-bikes

• Musical instruments

• Jewelry and other valuables

Students Living Off Campus

Landlords generally insure the building—not the student’s personal belongings. Renters insurance may help protect a student’s property from covered losses and may also provide personal liability coverage.

Students Taking a Car to College

Tell your insurance agent where the vehicle will be primarily kept. A change in garaging location, mileage, or regular drivers may affect the policy.

Should College Students Have Renters Insurance?

Renters insurance may be valuable for students living in an apartment, rental home, or other off-campus housing.

Depending on the policy, renters insurance may provide coverage for:

• Personal belongings after a covered loss

• Personal liability claims

• Additional living expenses if the rental becomes uninhabitable because of a covered event

• Theft of covered belongings, including certain losses away from the residence

Students should also document their belongings. A simple home inventory with photos, receipts, serial numbers, and estimated values can make the claims process easier.

Back-to-School Carpool and Driving Safety

If your family participates in a school carpool, confirm that your auto liability limits fit your needs. Carrying additional passengers can increase your potential liability after an accident.

Before the first day of school:

• Check tires and tire pressure

• Test the battery and air conditioning

• Inspect windshield wipers

• Update the vehicle’s emergency kit

• Confirm registration and insurance information

• Review school-zone and parking-lot safety

• Discuss distracted-driving rules with student drivers

Arizona’s August heat can contribute to tire blowouts, battery problems, overheated engines, and other roadside emergencies. Monsoon rain, high winds, flash flooding, and dust storms can also make driving more hazardous.

Call, Text, or stop by for a Quote or Insurance Review! We're here to help you stay up-to-date for your individual insurance needs!