{"id":50,"date":"2017-12-20T00:50:44","date_gmt":"2017-12-20T06:50:44","guid":{"rendered":"http:\/\/www.curtismillerins.com\/blog\/?p=50"},"modified":"2018-01-21T00:51:39","modified_gmt":"2018-01-21T06:51:39","slug":"why-is-it-necessary-to-have-boat-insurance","status":"publish","type":"post","link":"https:\/\/www.curtismillerins.com\/blog\/why-is-it-necessary-to-have-boat-insurance\/","title":{"rendered":"Why Is It Necessary To Have Boat Insurance?"},"content":{"rendered":"<p>Curtis Miller Insurance\u00a0<span class=\"scayt-misspell-word\" data-scayt-word=\"Parkersburg\" data-scayt-lang=\"en_US\">Parkersburg<\/span>, WV is a full-service insurance agency.\u00a0 While West Virginia (WV) law does not require boat insurance,\u00a0 WV does require registration of the boat with the WV Department of Transportation Division of Motor Vehicles.\u00a0 After you pay the expenses for ann uninsured boating accident, you would wish you had insurance.<\/p>\n<h2>Home Owners Insurance<\/h2>\n<p>Homeowner\u2019s 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.\u00a0 \u00a0Further, if there is homeowners insurance coverage, the boat must be damaged on the home owner&#8217;s property.<\/p>\n<h2>Boat Insurance<\/h2>\n<p>Boat insurance typically covers:<\/p>\n<p>1.\u00a0 Collision damage: Either boat repair or replacement. May need optional coverage for removing any boat wreckage.<\/p>\n<p>2.\u00a0 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&#8217;s boat.<\/p>\n<p>3.\u00a0\u00a0Comprehensive:\u00a0 This involves any other type of injury to the boat including if the boat is damaged, stolen,\u00a0 damaged other than a collision or vandalized.<\/p>\n<p>4.\u00a0 Any additional coverages: oil spills, accidents caused by those who are uninsured or underinsured and any personal property such as fishing gear.\u00a0 The compensation is limited by the deductibles, policy limit,\u00a0 replacement value based on agreement or actual cash value.<\/p>\n<p>5.\u00a0 The amount of insurance needed:\u00a0 Factors in considering insured value is the age of the boat, its motor size,\u00a0 type of boats such as a speedboat, a cruiser for pleasure or a houseboat.\u00a0 Price of liability insurance based on all factors including personal injuries and related costs.<\/p>\n<p>Curtis Miller Insurance\u00a0<span class=\"scayt-misspell-word\" data-scayt-word=\"Parkersburg\" data-scayt-lang=\"en_US\">Parkersburg<\/span>, WV looks forward to interviewing you concerning all your insurance needs. Please call us!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Curtis Miller Insurance\u00a0Parkersburg, WV is a full-service insurance agency.\u00a0 While West Virginia (WV) law does not require boat insurance,\u00a0 WV does require registration of the boat with the WV Department of Transportation Division of Motor Vehicles.\u00a0 After you pay the expenses for ann uninsured boating accident, you would wish you had insurance. Home Owners Insurance [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-50","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/posts\/50","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/comments?post=50"}],"version-history":[{"count":2,"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/posts\/50\/revisions"}],"predecessor-version":[{"id":52,"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/posts\/50\/revisions\/52"}],"wp:attachment":[{"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/media?parent=50"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/categories?post=50"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/tags?post=50"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}