A Maintenance Checklist For Your Home

You likely want to do all that you can to protect your home in Oregon. As the fall months approach, there is a lot that you can be doing to ensure your home is in good condition. The fall leads to the winter and what you do in the fall as a way of protecting your home even further, especially against any snow and ice that may fall in the coming months.

Gutters – Gutters need to be maintained, just like everything else in your home. They may fill with leaves and various other items. Have a company come out and clean them – or clean them on your own. This can also minimize the chances for an ice dam during the winter.

Roof – Have your roof inspected annually, and do so in the fall. This will ensure that you don’t have any loose shingles or any that are missing – which could wreak havoc when snow and rain begin to fall.

Chimney – Your chimney should also be cleaned annually, especially because you don’t want a fire taking place just because you weren’t able to get it clean enough. Hiring a chimney sweeper can go a long way for peace of mind.

Inside Your Home – There are quite a few things that you can do inside your home for general maintenance as well.

When you want to cut down on your electric bill, reverse your fans so that the warm air is being distributed better.

Go through and replace batteries in all your smoke detectors so that you can be confident they are going to work when needed.

At Linda Dugan Insurance our agents look forward to helping you with your home in Astoria. Call today and learn about the many ways that we can assist with finding you an affordable homeowner’s insurance policy.



Tips For Saving Money On Auto Insurance For Students In Astoria

If you’re going to school in Astoria, whether it’s at a college, university, or even a tech school, you may have the ability to save money on auto insurance. It’s important to know about tips that can lead to big savings.

The first thing you want to do is be the safest driver you can be. Don’t be in a rush to go anywhere because it can lead to speeding tickets. If you have a clean driving record, it will be easier to get the safe driver discounts that are given out by virtually every insurance company licensed to issue policies in Oregon.

Another way to save money is to get good grades. There are many insurance companies that offer a “good student” discount. The grades you have to get to qualify for this can depend on the insurance company. A call to an agent can give you an idea, but generally it is a 3.0 GPA or better. You may get a bigger discount if you make it to the dean’s list.

You may also want to enroll in a defensive driving course. If it has been a few years since you took a driver’s ed course or you have never taken such a course, then the 5 hours you spend in class could add up to your advantage.

Yet another way is to look at how much you are driving on a daily basis. If you have low mileage throughout the week because you live on campus, or at least close by, you can save because you’re considered low risk.

At Linda Dugan Insurance our independent insurance agents can help you to save money on auto insurance. Call today whether you are a student or not and let us find you quotes from top insurance companies in Oregon.