Does boat insurance cover passengers?

It is important for boat owners in and around Proctorville, OH to have insurance coverage, to protect you and your family in case of an accident. It could cause you a lot of financial damage to suddenly be liable for all the expenses if someone were hurt, or property was damaged, by your boat. But at Jeff Hutchison Insurance Services we think it is also important to understand what your policy covers, so there will be no surprises. You can enjoy your time fishing, skiing or just relaxing on your boat when you know that you are protected. 

Whether your insurance is part of your homeowners insurance or is a separate policy, the most important thing to do first is read your contract. Make sure you are comfortable with the coverage specified, including the policy limits and deductible. If you have any questions, talk to your insurance agent. Boat insurance is relatively inexpensive, but provides protection you may need.

Your policy should cover you, your family, and any other passengers in case of an accident, and even includes someone who is skiing behind your boat. This includes medical payments and other necessary expenses. As with regular auto insurance, those other expenses can include time off from work, crutches, and medication. Victims should be able to receive compensation under your policy even if you weren’t at fault.

You may also be liable for the injuries of someone who is injured in another boat, when there is a collision. These are the kind of situations where you will need to work with your agent to make sure you have enough coverage. You may have to pay for anything that exceeds your policy limits. If you are in Proctorville, OH and want to know your options, call Jeff Hutchison Insurance Services today.

Does Boat Insurance Cover Your Property If You Live on Your Boat?

One of the questions that we at Jeff Hutchison Insurance Services, serving Proctorville, OH, are asked by those purchasing boat insurance is whether boat insurance covers your property if you actually live on the boat. Here is some information you will need to know if you are in this situation.

Does Boat Insurance Cover Your Property If You Live on a Boat?

If you are residing on your boat, boat insurance will not cover the property that you have stored inside of the boat, such as your clothing, jewelry, dishes or furniture. If you are living on your boat, you will need to take out a dwelling policy. For boats, this is typically referred to as a floating dwelling policy. This type of policy is different than a boat policy as it also includes the property and belongings that are stored inside when you reside in the boat. 

Does Boat Insurance Cover Your Property If You Don’t Live on a Boat?

If you do not live on the boat, but you have items that are stored on the boat for when you use the boat, such as dishes, televisions or audio equipment, you may wonder if these items are covered. In most cases, they will be covered. However, there are often limits to what is covered and you may have to list everything that is stored on your boat in order to ensure that it is covered. Talk to your insurance agent to ensure your belongings are covered. 

If you are looking to obtain boat insurance or insurance for a dwelling you reside in in the greater Proctorville, OH area, let Jeff Hutchison Insurance Services help you. Call us today to discuss your needs and let us find you the right insurance policy for your needs. 

Myths about Umbrella Insurance

When trying to cut down costs, many will look at their insurance policies and see what type of coverage is necessary and what isn’t. Umbrella insurance is not required insurance and there are a number of myths surrounding it that make many people think they don’t need it.

1. Only the Rich Should Get Umbrella Insurance

For middle-class families that own assets that are valued more than their current liabilities, an umbrella policy is a good idea. These days anyone can be responsible for injury or death of someone else and it’s not just rich people that can lose what they have worked for. The rich may be more likely to pay for accident expenses out of pocket, making an umbrella policy even more important for middle-class families.

2. You Won’t Be Sued

Small things like owning a dog, having a swimming pool and having teenagers in your house can make you more likely to get sued. Just because you don’t think it can happen to you doesn’t mean it won’t.

3. Other Policies Should Provide the Coverage

Your homeowners and auto insurance policies will provide some coverage, but if you have to pay a greater amount for an accident then you will have to tap into other financial assets like your home in order to pay. An umbrella insurance policy gives you an additional layer of protection in this case.

4. Umbrella Insurance is too Expensive

You may be shocked to find out that umbrella insurance is not expensive. Contact Jeff Hutchison Insurance Services serving Proctorville, OH to get a quote on umbrella insurance. Your umbrella policy should cover the amount of your net worth.

Insurance is there to protect your assets, so make sure to get a quote from Jeff Hutchison Insurance Services serving Proctorville, OH.

Do I Need Boat Insurance During Months It’s Not in Use?

Even if you are the type of boating enthusiast who takes steps to winterize your boat for the colder Proctorville, OH months, you may be overlooking one element of the protection process – ensuring you’re maintaining boat insurance coverage during the offseason. While you may be tempted to cancel your boat insurance policy and save a few bucks while your boat is out of the water or not in use, your boat still faces a variety of risks while it’s in storage. Theft, vandalism, and fire aren’t limited to boat-friendly months; they are year-round risks. According to the National Insurance Crime Bureau, during 2015, 2,700 watercraft thefts occurred between the off-season months of September and April. If you terminate your boat policy for the winter season, you will be responsible for paying for the repairs or damage dur to any calamity such as fire or theft yourself.  

Am I Required to Have Winter Boat Insurance Coverage?

There are some situations that do require you to have an active boat insurance policy during the off-season or while it’s stored. For example, if your boat is financed, according to the National Marine Lenders Association, you may be required by your lender to hold year-round coverage. Ask your Jeff Hutchison Insurance Services agent if you are required to have year-round boat insurance coverage. 

How Can I Cut My Off-Season Boat Insurance Costs?

Depending on your policy, you may be able to adjust your coverage costs in the winter months while it is being stored. For example, it may be possible to reduce your limits or drop some of your policy’s coverage types to lower your premiums. When spring comes, you can revert to your original policy, so that when you pull your boat out of storage you can launch with the full protection to ensure your boating season is carefree. 

For answers to all your questions about boat and watercraft insurance coverage, call the insurance experts at Jeff Hutchison Insurance Services today. Our independent agents are licensed in Kentucky and Ohio, allowing us to proudly serve boaters in Lexington, KY and Proctorville, OH. Boat and watercraft policy premiums vary in each state, so let us help you find the most affordable coverage.

What Kinds of Damage are not Covered by Flood Insurance?

Purchasing a Flood Insurance policy for your home is a wise move, but it is important to understand its limitations. A regular homeowner’s policy will not protect you against flooding, but a Flood Insurance policy has some limitations.

What is Covered

Everything that is truly considered essential to the home is covered.  This includes walls, carpets and window treatments. It also includes all your home systems including electrical, plumbing and central air. 

Fixtures such as cabinets are covered, but only the ones that are damaged. If only some are damaged, you may have to decide whether to purchase some out of your own pocket. 

Your detached garage is covered, but you can only use 10% of your total toward it. Clothing, furniture, and appliances are covered, as long as they are not stored in the basement. Some valuables, up to $2,500, will be covered.

What is Not Covered

If you have flood insurance, you will need to learn your eligibility requirements and exclusions. Those will be listed in the contract when you sign up for insurance at Jeff Hutchison Insurance Services in Proctorville, OH. A common exclusion is anything, including personal property or furniture, which is in a basement, walkout basement or crawl space. This includes bookcases, window treatments, carpets, and anything else that is there. There is an additional exclusion for any loss you incur because of earth movement.

Federal flood insurance also has a limit of $250,000 for the building and $100,000 for the contents, such as personal belongings within the home. That is a maximum limit, and you can purchase a smaller policy.     

Once you have made the decision to purchase flood insurance for your Proctorville, OH home, contact Jeff Hutchison Insurance Services for your free estimate.

What exactly on my motorcycle is covered with insurance?

Just like any other vehicle, your motorcycle will need to be insured.  Not only does this protect you, but this can also protect your investment.  And, just like other types of insurance, there are standard policies and add-on coverage that you can add to your policy to make sure exactly what you need to be covered is taken care of.  At Jeff Hutchison Insurance Services, serving the residents of Proctorville, OH, we aim to clear up any questions you may have regarding your insurance.  Let’s take a closer look at what exactly is covered by your plan.

A standard insurance policy for your motorcycle will include some sort of liability coverage.  This at a minimum should cover any property damage as well as the bodily harm that is caused from an accident.  Comprehensive and collision coverage will then help to cover any damage to your own motorcycle that may happen as a result of an accident.  Additionally, most standard motorcycle insurance policies will cover total loss damage, should the bike be irreparable following an accident, as well as medical coverage if bodily harm should occur. 

There are also optional coverage options that can be added onto your standard insurance policy.  Some of these include trip interruption coverage that is intended to cover lodging expenses or repairs to your motorcycle should a problem occur while taking a trip.  You can also get equipment coverage for any additional gear you might have on your motorcycle or towing and labor coverage to help cover a flat tire, low fluid, or lost keys.

Because there are so many different options with motorcycle insurance it can be difficult to find the right policy that covers what you need.  At Jeff Hutchison Insurance Services we aim to help the residents of Proctorville, OH find just the right coverage.  Feel free to check out our website today to learn more about how we can find the right policy for you.

Top Reasons to Purchase Flood Insurance

One of the lesser considered types of insurance, flood insurance is actually a type of coverage most should consider carefully. Are you considering purchasing a policy but need a little more convincing? The following is a closer look at the top reasons to purchase a flood insurance policy. 

No Home is Flood-Proof

While some areas are certainly more prone to flooding than others, there is no such thing as a flood-proof home. Therefore, by purchasing flood coverage, you are ensuring your belongings are protected during even the worst-case scenario.

You Can’t Rely on the Government

Moreover, many believe that matters such as natural disasters will be handled by the government. This is not necessarily the case. In fact, the government often falls short of providing assistance during these times. Moreover, it often takes them too long to disburse payments even when they agree to provide relief. Therefore, purchasing your own coverage is the only way to ensure your family has the funds and resources necessary to move forward.

Flood Damage Can be Costly

Lastly, flood damage can be quite costly. This is due to the fact that many of the things are damaged beyond repair and must be totally replaced. Rather than waiting until a flood occurs and you lose thousands in prized possessions, purchasing a policy can ensure that you can repair or replace the items you hold dear.

Overall, for those living in Proctorville, OH, let Jeff Hutchison Insurance Services be your go to for your life insurance policy. Proudly serving the area of Proctorville, OH, contact Jeff Hutchison Insurance Services today to find out how you can start you flood coverage immediately! 


In Proctorville OH, Are There Different Types of Commercial Insurance?

The agents of Jeff Hutchison Insurance Services are available to answer questions and offer sound advice when it comes to various types of commercial insurance. Business owners in the Proctorville, OH area should have their commercial policies reviewed regularly to protect their business from financial loss. There are several different types of commercial insurance that should be considered, depending on the type of business a person owns. Worker’s Compensation insurance is required by law to protect a company’s employees if they are injured during the performance of their duties. Flood insurance, property damage insurance, and commercial liability insurance are just a few types of commercial insurance a company may want to consider.

While Worker’s Compensation is mandatory, other types of insurance are not. Businesses that are located in a flood plain should carry flood insurance. Flood damage is not covered by property damage policies that are written to protect against weather damage caused by tornadoes, high winds or driving rain. Commercial liability policies protect individuals who visit the business if they are injured or harmed in any way while on the premises. Commercial liability also covers damage caused by defective merchandise or workmanship.

Business owners in Proctorville,OH are encouraged to contact the agents of Jeff Hutchison Insurance Services to find out what types of commercial insurance they should have to protect their business. The agent will also help the business owner to determine just how much insurance their company needs to prevent a devastating loss from ruining their livelihood. With the right type of commercial policy and the right amount of coverage, a business owner can sufficiently protect their investment and rebuild accordingly if an accident or unexpected event does occur. 

Status Why you need Insurance in Proctorville, OH

Proctorville, OH is a small town in a more rural part of the state. While this is an area that is away from urban areas that may have more risk associated with them due to the number of people and is inland from the inclement weather of the ocean, you will still need some types of insurance if you live in the Proctorville area. Below are the reasons you will need insurance in Proctorville, OH, preferably from a company like Jeff Hutchison Insurance Services, who serves the greater Proctorville area and knows the people in the area well.


If you live in Proctorville, you will most likely need a vehicle to get around as there is very little access to real public transportation. With a car comes the need for auto insurance, which will protect you and whoever is riding with you in the event of an accident. Auto insurance will also protect those who are involved in the accident with you as well, covering their vehicles, their medical bills and whatever other property damage may have been caused. You can also have policies that will protect against any lawsuits that may arise from an auto accident as well.


Your home in Proctorville will need insurance coverage as well, against some things. If a hurricane were to hit the area, which happens from time to time along this part of Ohio, you would need to have coverage against the damage caused by the storm. You will also need fire insurance protection as well, to allow you to rebuild your home in the event a fire occurs. And having coverage against theft, if someone were to break into your home and steal valuables, is always a good idea as well.

Why To Consider A Separate Policy From Your Employer Sponsored One

So you have life insurance from the company that you work for. While that is a great benefit to have, it should not stop you from considering and even purchasing a separate policy. There are many reasons for this that people often do not think about and consider. However, before you start relying on your employer sponsored life insurance plan as your only plan, take a look at these reasons to consider getting a supplemental life insurance policy.

  • Employer sponsored life insurance policies typically do not provide enough coverage. Many companies offer employees life insurance equal to one to two times their annual salary. Experts say that people need to have coverage that equals anywhere between five and seven times their annual salary. If your life insurance provided by your employer does not hit that mark, you should look at a supplemental policy.
  • You cannot take the policy with you. If you leave the company at any time, you also lose your life insurance coverage that was provided as a benefit. This is not like health insurance where you can continue the coverage after you have left for a higher fee. You will have to search for a new policy to make up the difference or you will be without it.
  • You are limited in your options. If you only have the plan provided by your employer, then you get what they have chosen for you. You do not get to decide between plans, usually, and the plan they have may not even meet your needs.

For more information on this subject or to explore your life insurance options, be sure to contact Jeff Hutchison Insurance Services serving Proctorville, OH. They can help you find the right supplemental life insurance policy so that you are prepared for anything that comes your way.