Umbrella insurance is designed to offer you additional protection over the liability limits of your current insurance policies. Whether living in Parkersburg, WV or the surrounding communities, umbrella insurance may prove especially beneficial for your personal needs. Curtis Miller Insurance is here to help you understand what exactly umbrella insurance covers.

Added Coverage On Most Insurance Policies

Umbrella insurance doesn’t just cover one form of property or investment. It provided added liability coverage on your home, vehicle, boat, recreational vehicle and other major purchases. This way, if you are ever sued or are forced to rely on your current insurance policy beyond its liability limits, the umbrella insurance coverage will kick in.

What Issues Does Umbrella Insurance Cover

There are all sorts of reasons why you might find yourself on the receiving end of a lawsuit. An injury may occur in or around your property (anything from a guest falling down your stairs to someone slipping on your sidewalk). If you sustain extensive damaged to your property, umbrella insurance will help cover this.

Umbrella insurance also provides bodily injury liability. These kinds of injuries may stem from a family pet (such as a dog biting a guest), from a neighboring child who trips and injures themselves in your yard, or if there is a physical injury that happened during an auto accident deemed your responsibility.

Umbrella insurance is a protective coverage designed to offer improved financial protection in the event sudden expenses exceed that of your current liability limits. There are a number of reasons why this might happen to you when living in the greater Parkersburg, WV area. If you are interested in umbrella insurance, have more questions or want to know what kind of liability limits you currently have, Curtis Miller Insurance is here to assist.

With climate change and the unpredictable weather of certain seasons, floods are happening at unprecedented rates. It can happen to any of us, so West Virginians need to know whether their properties are in flood zones. If you live in Parkersburg, WV, make sure your property is covered for flood damages, because coverage is available even if don’t live in a flood zone. Ask your Curtis Miller Insurance agent for information on what types of coverage you need. In the meantime, here’s some important information about flood coverage.

National Flood Insurance Program (NFIP)

In Parkersburg, WV and throughout West Virginia, the state Insurance Commissioner is responsible for notifying local entities when federally subsidized insurance is available via the National Flood Insurance Program (NFIP). Your Curtis Miller Insurance agent can help you look up or request this information about your property. Plan ahead, even if a flood seems unlikely in your area because floods are deviously unpredictable.

Home Owner’s Insurance Doesn’t Cover Flood Damage

In the event that damage occurs on your property located in a flood zone, NFIP insurance will help you repair or replace your home and personal property. If you live in a non-flood zone, flood coverage is highly recommended. Be aware that your homeowner’s insurance excludes flood coverage. To get flood insurance, go through a licensed property and casualty insurance agency, such as Curtis Miller Insurance, and request a policy that protects your home and its contents.

Rental properties can also be insurance against flood loss, ask your agent for details.

Contact Us

Contact Curtis Miller Insurance today to schedule an appointment for a quote or to ask us about your other insurance needs in Parkersburg, WV.

Many households in Parkersburg, WV possess firearms. It is, therefore, no surprise that the question of whether or not they are covered in home insurance comes up. Since firearms are costly and dangerous, homeowners have the responsibility to know what policies, if any can cover them in case of loss, damage or injury to another person. Curtis Miller Insurance will help you find an insurance cover.

Under basic home insurance policies, guns are considered personal property. They are, therefore, insured as such. Different companies cover different perils for example theft or damage by fire. Some companies offer a wider coverage than others. It is, therefore, advisable to find one that best suits your needs.

Guns can be dangerous. You may accidentally cause property damage or bodily injury. Liability insurance protects you in case you destroy property or hurt someone else with your gun.

If you feel that your insurance policy doesn’t cover you sufficiently, you may seek additional coverage. Most companies offer personal property riders for firearms. They cover you for certain perils that are not covered in the home insurance policy.

You may also find stand-alone policies that cover firearms. Such policies are usually customized for specific customer needs. They are, therefore, likely to offer more personalized coverage.

Guns generally come with a lot of responsibility. The following are some guidelines for safe gun handling;

• Store guns away from unauthorized people
• Ensure that your gun is safe for operation
• Unload guns before storage
• Learn how to use guns safely
• Only shoot when sober

At Curtis Miller Insurance, we offer quotes for the gun and other insurance policies. Our knowledgeable and independent agents place the needs of clients first. We help you find a policy that best works.

Call or visit us in Parkersburg, WV to speak to an agent.

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.