Essential facts about umbrella insurance

With an umbrella insurance cover from Astoria, OR, Linda Dugan Insurance, you get to protect you and your family from unexpected risks such as lawsuit charges or injuries caused to someone on your property. Once you visit our offices, our employees will be ready to listen and guide you in whatever thing you may need.
 We make sure you understand each and everything about our insurance options before you sign any contract with us. And as for the umbrella insurance option, below are some of the essential facts you will get to learn about.

How do you know if you need an umbrella insurance?
You need to conduct a risk assessment. What are the chances of you or your family members getting involved in a lawsuit? Or what is the probability of your friend or neighbor getting injured on your property?
Those are some of the questions you should ask yourself. For example, if you own a swimming pool or a vicious dog, the chances of someone getting injured on your property are high and you should, therefore, consider taking an umbrella cover.

What is covered by an umbrella insurance cover?
Some of the things covered umbrella insurance including but not limited to:
•    Boating and pool accidents
•    Accidents in your property
•    Wrongful eviction, defamation and libel lawsuits.
•    Critical car accidents
•    Lawsuit cost and legal fees required.
•    Injuries caused to someone by your dog
•    Expenses exceeding your auto and home insurance cover

You need to be very careful when getting this cover. Avoid taking a cover that is equal to your assets. Instead, get a cover that exceeds your assets because in most cases, we undervalue our belongings. Also, make sure you read all the terms and conditions which are usually in small print. With this in mind, you will be able to get the best out of umbrella insurance.

Linda Dugan Insurance which serves the people of Astoria, OR, is your caring insurance company. Our services are of high quality, and we are dedicated to giving you timely and reliable services. Contact us today or visit our offices for more information.

Health insurance coverage options with Astoria, OR, Linda Dugan Insurance

As the cost of living increases so does the cost of medical bills. You need to protect your family’s health by getting an insurance cover from a trusted company. With an insurance cover, you need not worry about the medical expenses when choosing a hospital for your loved one. All you will have to worry about is the choice of hospital.

At Astoria, OR, Linda Dugan Insurance, we are committed to giving you the best services. We understand that preferences and needs vary. For that reason, whenever you visit our offices, we always allocate you one of our well-trained employees to guide you through our coverage options so that you can make an informed decision.
Here is a glimpse of some of our health insurance coverage options

  •  Individual Health Cover

The individual medical cover is mostly designed for people who are unemployed or rather who don’t get health covers from their employers. Also, if you are self-employed, you stand to gain from this option as long as you meet the necessary requirements.

  •  Medicare Supplement Insurance

With a Medicare supplement cover from us, most of your medical expenses are covered. It covers even costs not covered by other health policies such as deductibles and copayments among more. Also, if you happen to travel out of USA, you still get health insurance from wherever you are.
Note, however: A Medicare cover does not cater for long term care costs.

  •  Supplemental Health Insurance

The supplemental cover helps cover unforeseen or unplanned costs related to health. For example, you may have to book a hotel or buy food and drinks as you wait for your loved one to get treated. Some of these costs may seem minimal or not worth insuring, but you can never be sure of what to expect.

With a health cover from Linda Dugan Insurance, you and your family are protected. Feel free to  Contact us today or visit our offices to get more information on the insurance options.