Is Your Astoria Home Prepared for a Disaster?

There’s no doubt that you would do anything to protect your family. But have you taken the necessary precautions to ensure you are prepared for a disaster situation? Here are a few questions to ask yourself to help determine whether or not your Astoria home is ready for a catastrophe.

Have You Talked to Your Family About an Emergency Response Plan?

One of the easiest ways to ensure you are prepared for a disaster is by creating an emergency response plan with your family. Understand the best ways to get out of the house in a fire, plus talk about what to do once you are safe. Have an agreement to meet in a safe place in case you are separated during a disaster, too.

Do You Have Working Emergency Lights in Every Room?

Having a flashlight on hand is okay in minor situations. But in a major catastrophe, you will want to have a lighting tool at your disposal without having to dig through a closet or drawer. Make sure you have some sort of working emergency light in every room. Excellent options include battery-operated flashlights (and fresh batteries), matches, candles, etc.

Does Your Home Having Working Smoke Detectors and a Fire Extinguisher?

Working smoke detectors and a fire extinguisher are more than just a good idea—they could save your life during a serious incident. Regularly check detector batteries to make sure they are in working order and keep the fire extinguisher in an easily accessible spot.

Do You Have Adequate Homeowner’s Insurance Coverage?

While having proper homeowner’s insurance coverage won’t help during an incident, it can definitely make a difference when everything is said and done. At Linda Dugan Insurance, we work closely with our customers to ensure they have the right policy to suit their needs. Please contact us today for further details.


Questions To Ask Before Letting Someone Borrow Your Car

Your vehicle is important to you. You use it to get to and from work as well as to complete many other tasks in your daily life. That is why it is especially important to take great care in deciding whether or not you will allow someone else to drive your vehicle.

When a friend or a family member asks to borrow your car, before giving an answer, ask these questions:

  1. Is their license to drive valid? You will want to make sure that they are currently licensed to drive before you give them the keys to your vehicle.
  2. Make sure that your insurance policy will cover someone else driving your car. You may also want to ask if the other person has their own insurance to cover them while they are driving the vehicle.
  3. While you are looking at what your policy will cover, you should also make sure that your policy is currently up to date.
  4. What does their driver history look like? If they are someone who has a lot of speeding tickets or accidents on their record, then you may want to rethink letting them drive away in your vehicle.
  5. What is their purpose in using your car? If they need it for business purposes, your policy may not cover them, but if it is for personal purposes, they may be covered.
  6. How often will they be using the car? If they need it one time, you shouldn’t need to add them to your policy. If they will need to use it a lot, then you should consider adding them to you policy or asking them to get their own policy, with your car covered.

To ensure that you are covered, contact Linda Dugan Insurance serving Astoria, Oregon.