As much as people don’t like discussing the issue of life insurance, there is no arguing its importance in one’s overall financial planning. A life insurance plan helps an individual protect their loved ones and to keep some money behind to cover costs after their demise. Without a life insurance plan in the Parkersburg, WV area, an individual’s dependent/loved ones may have to alter their lifestyle drastically. Hence, an already traumatic situation turns even more difficult.

There are several benefits of having a life insurance plan. Below are a few of them;

1. Protection:

The primary benefit of life insurance is the death benefit. When an individual dies without a life insurance plan, this often creates unexpected financial challenges for those left behind. For instance, there may be medical bills to be cleared, funeral expenses, mortgage, debts etc.

With a life insurance plan, beneficiaries can receive death benefits which they can use to pay off debt, mortgage, medical expense and can act as a form of income before for the meantime.

2. Takes away worry:

One of the fears people nurse is the status of the life of their loved ones if they were to pass unexpectedly. Life insurance helps to remove such fears. With a life insurance plan, you can rest easy, knowing that your loved ones will have a good quality of life and their financial needs will be met, should you pass away.

3. Protection against estate taxes:

Those with a likelihood of being hit with estate taxes after their death may also consider a life insurance policy. Many times, it is the loved ones left behind that is burdened with sourcing for the estate tax fund. They usually go to such length as selling asset below market value. A life insurance policy can help shield loved ones from this, protecting them against the indignity of selling assets and family heirlooms.

4. Equaling inheritance:

A life insurance policy can be used to equal out an inheritance. Take, for instance, a man has two children and one house and he wishes to give the house to one of the children. In order to equal out the inheritance, the man can buy a life insurance policy of equal value to the house and name the other child as beneficiary.

At Curtis Miller Insurance, we work hard to let people know the benefits attached to purchasing a life insurance policy. If you still have any questions about life insurance and its benefits in the Parkersburg, WA area, then you can contact Curtis Miller Insurance.

ruction firms in Parkersburg, WV need to take the time to understand all of their construction insurance needs entirely. Many types of coverage are required for these types of businesses, which is why we at Curtis Miller Insurance have created this simple and easy-to-understand list for you.

Construction Insurance Minimizes Risks

When you buy commercial insurance for your construction company, you are taking positive steps to minimize the risks to your business. For example, you can make sure that all of your vehicles and equipment are adequately protected from damage. You can also protect your workers and visitors to the area from severe physical injuries and ensure that they get compensation if they are hurt at work.

Construction Insurance Is Required For Many Businesses

Construction insurance is necessary for many different fields, including carpentry, plumbing, electrician work, masonry, home builders, welders, renovation experts, security companies, handyman services, and more. Each type of coverage is designed to meet the unique needs of a specific business. For example, electrician coverage will handle damage caused by shocks or electrical concerns that happen while you are working on a job site.

Policy Types Vary

When buying construction insurance, there are many types of coverage that you need to consider. These include liability coverage, business owners, insurance, workers’ compensation, and policies for your vehicles. These vehicle policies include insurance for any car or pickup used for delivery or as a company car. Any construction vehicle, such as dump trucks, also need specific construction insurance coverage to protect them from damage.

Getting A Comprehensive Package

If you run a construction company of any type in Parkersburg, WV, don’t hesitate to contact us at Curtis Miller Insurance. Our specialists will work with you to find a construction insurance coverage package that works for your needs.

At Curtis Miller Insurance, serving Parkersburg, WV, we are asked numerous questions about boat insurance. This is because people do not fully understand what boat insurance covers and does not cover. When you purchase insurance, we want to be sure that you know exactly what is being covered and is not being covered. Here is what you need to know about boat insurance and flooding.

Does Boat Insurance Cover Flooding?

In some cases, boat insurance will cover flooding. In other cases, boat insurance will not cover flooding. The easiest way to determine if flooding to your boat is covered is to read through the inclusion and exclusion list. If storm damage is covered under your policy, any flooding caused by heavy rains, tropical storms or hurricanes would be covered. If storm damage is excluded from your policy, flooding caused by these events would not be covered.

How Can You Ensure Your Policy Covers Flooding?

Flooding is not something that is covered or not covered by all insurance companies. However, if your policy does not cover storm damage, you can purchase a supplemental storm damage policy that covers all types of storm damage, including flooding. This helps to protect your boat against storm-related damage, including hail damage, damage caused by strong wind gusts, and even damage caused by a tree or other item falling on your boat in the midst of a storm.

When you are looking to purchase a new boat insurance policy or add storm damage coverage to an existing boat insurance policy in the greater Parkersburg, WV area, contact Curtis Miller Insurance. We would love the opportunity to help you find the best policy for your needs. Call us today to get started.

The simple answer is yes.  Just like your auto, the state of West Virginia requires that you carry at least the minimum liability coverage on your bike.  The agents at Curtis Miller Insurance can help you get the coverage that you need.  Serving the Parkersburg, WV area, they can make recommendations on the types of coverage that you may need, beyond liability insurance, based on your travel habits and motorcycle usage.  For instance, weekend warriors need insurance on their bikes but the type and amount of coverage may differ from someone who uses their bike every day as their primary mode of transportation.  That’s where the advice from the agents at Curtis Miller Insurance is invaluable.

The state of West Virginia has two definitions for two-wheeled vehicles.  A ‘motorcycle’ is defined as a two-wheeled vehicle with a motor that is more than 55 cc.  These must be registered and covered by minimum liability insurance.  If the bike’s motor is 55 cc or less, the state generally considers these to be scooters or mopeds.  Generally, these bikes do not need to be registered or meet liability insurance standards.  If you have a moped or scooter, it is prudent to talk with your agent and local DMV to ensure that your bike is exempt from the state insurance requirements.

The agents at Curtis Miller Insurance are your partners.  They have worked with many residents in the Parkersburg, WV area and are ready to serve your insurance needs.  They may recommend coverage beyond the state-mandated liability insurance.  It is important to consider their advice and ask questions until you fully understand what is available to you.  Their team works to ensure that you are protected when you hit the open road.

Curtis Miller Insurance Parkersburg, WV is a full-service insurance agency.  While West Virginia (WV) law does not require boat insurance,  WV does require registration of the boat with the WV Department of Transportation Division of Motor Vehicles.  After you pay the expenses for ann uninsured boating accident, you would wish you had insurance.

Home Owners Insurance

Homeowner’s Insurance is not a satisfactory replacement for boat insurance because the amount covered is typically less than the coverage of a boat insurance policy. There is no standard homeowners coverage plan for a boat.   Further, if there is homeowners insurance coverage, the boat must be damaged on the home owner’s property.

Boat Insurance

Boat insurance typically covers:

1.  Collision damage: Either boat repair or replacement. May need optional coverage for removing any boat wreckage.

2.  Bodily injury liability: Covers an individual with permission to use your boat, medical bills, pain and suffering, lost income, and dock. Further, other structures or property and coverage if your boat caused damage to someone else’s boat.

3.  Comprehensive:  This involves any other type of injury to the boat including if the boat is damaged, stolen,  damaged other than a collision or vandalized.

4.  Any additional coverages: oil spills, accidents caused by those who are uninsured or underinsured and any personal property such as fishing gear.  The compensation is limited by the deductibles, policy limit,  replacement value based on agreement or actual cash value.

5.  The amount of insurance needed:  Factors in considering insured value is the age of the boat, its motor size,  type of boats such as a speedboat, a cruiser for pleasure or a houseboat.  Price of liability insurance based on all factors including personal injuries and related costs.

Curtis Miller Insurance Parkersburg, WV looks forward to interviewing you concerning all your insurance needs. Please call us!