Why RV Insurance is Important to Have

If you are looking to take a tour of the country or go on an extended trip, one of the best ways to do it would be to purchase your own RV. While having an RV can come with a lot of fun, it is also a valuable asset that needs to be properly protected by insurance. There are several reasons why having RV insurance is extremely important.

Protects Valuable Asset

The most important reason why you need to make sure that you have insurance on your RV is that it will help to protect your valuable asset. When you purchase a RV, you are buying an asset that you likely hope to own for more than a decade. To make sure that you get all that you can out of it, you will want to make sure that it is properly covered by insurance. 

Provides Liability Protection

Whenever you take an RV out on the road, you are taking on a certain amount of liability. If you happen to be found at fault in an accident, you could be held responsible to make restitution to the other party. What do you have RV insurance in place, the liability insurance will provide you with protection for these situations.


While having RV Insurance is always a good idea, it is also a necessity under a variety of different requirements. When you have an RV, you may be required to carry RV insurance by a lender or lessor if you took out financing for the purchase. Also, those that are in the Astoria OR area will need to comply with state requirements that govern RV insurance minimums. 

If you are in need of RV insurance and are in the Astoria, OR area, you should reach out to the team at Linda Dugan Insurance. When you contact this insurance agency you will receive far more insight into what your RV insurance needs and requirements are. 

Do You Really Need Flood Insurance? Yes, And Here’s Why

Did you know that less than 20 percent of homeowners in the United States have proper flood insurance? Among those unprepared are property owners in high flood areas where destruction by water is not only common but more like a holiday season. You may not believe that you need flood insurance in Astoria, OR. You may, however, want to reconsider such thoughts after reading these facts about homeowners’ insurance regarding flooding. Linda Dugan Insurance is here to help with all of your flood insurance needs!

Doesn’t homeowners’ insurance cover floods?

Your homeowners’ insurance policy may pay for water damage if a pipe breaks in your home and destroys your valued possessions. A standard homeowner’s indemnity plan will not cover water damage caused by natural disaster. You are out of luck if a hurricane comes to town and you lack flood insurance. Imagine yourself paying into a plan that, in the end, does not work as you thought it would. Such is the case when you rely on homeowners’ insurance to cover flooding caused by natural disasters in Astoria, OR. 

What does flood insurance cover?

A flood insurance policy can pay for the following:

  • Damage to the physical structure of your property
  • Electrical systems in your home
  • Plumbing disruptions caused by major flooding
  • Personal possessions such as computers, televisions, and large kitchen appliances
  • Moisture and mold buildup caused by flooding

It may also be possible to receive reimbursement for relocation if your home is inhabitable after a flood. Such protection is vital when tragedy strikes suddenly and funds are limited. 

How do you purchase a policy?

Flood indemnity plans typically come with the backing of the federal government. You need to speak with a skilled agent to fully understand all that flood insurance entails and to find the policy that best fits your lifestyle. Contact Linda Dugan Insurance today to get started with a quote!