Planning a large home renovation project such an addition or a totally new kitchen? Before you get started it is important to make sure that all of the necessary insurance coverage is in order. At Linda Dugan Insurance we serve the needs of our clients in the greater Astoria, OR area protect their homes from any damage, accidents, or mishaps that can occur when there is a big construction project underway at your house. You will need a thorough review of both your home insurance policy as well as that of your contractor.
Review Your Policy and Your Contractor’s Too
Most people will go through the motions and simply determine that their contractor’s insurance certificate is up to date and leave it at that. While this is a good first step, it is better to actually review their policy and make sure that the coverage levels that it provides are adequate. If you are having a major amount of work completed, or have a project that is going to take a long time, you can even have yourself added to their policy as a named insured. Being added to their general liability policy is a simple process that can make a significant difference in how an accident or other damage can affect you and your family.
Before your contractor gets started on that major home improvement project make sure you have the protection you need. The team at Linda Dugan Insurance is here to help you review your policy for completeness and help you determine if your current policy carried adequate coverage. If you are in the greater Astoria, OR area, call or stop by and we will make sure you are covered before you begin any major projects!
Most people that drive a vehicle in Astoria, OR are very well aware that they are required by law to carry auto insurance. While you may have an auto insurance policy in place, there is a situation that your coverage could laps if you fail to make a payment or if the policy has expired. If you let your policy lapse, several different things could happen.
Put Yourself at Risk
The biggest issue with allowing your auto insurance to lapse is that you will be putting yourself at significant risk. When you are behind the wheel without auto insurance, you could find yourself in it pretty significant financial trouble if you get into an accident. Even if you don’t have insurance, you still will be responsible for any damage that you caused. Also, if your vehicle is stolen or vandalized without insurance, you will be required to pay for the replacement or repairs out of pocket.
Face Significant Penalties
Another thing that could happen if your auto insurance lapses is you could face some significant penalties. Driving with auto insurance is extremely important. If you are caught driving without active auto insurance, you could face severe financial penalties from law enforcement, your local DMV, and even your auto lender. Because of the risks that come with not having insurance, it is very important that you keep it active at all times.
If your auto insurance is coming to an end, or you want to learn more about your auto insurance options, reaching out to the Linda Dugan Insurance agency would be a very beneficial step. When meeting with the team at Linda Dugan Insurance in Astoria, OR residents will be able to get more information about their insurance requirements and get into a great policy.