Life Doesn’t Stop When You Get Sick

Life is filled with exciting, difficult and unexpected moments. When those unexpected moments result in illness, injury or impact our health, we often find ourselves in need of help. That is what health insurance is for and it is there when you need it when you least expect it.

 Insurance to Get You Back On Your Feet

As parents, it is our responsibility. As adults, it is not only a requirement of the law but also part of being a responsible person. Having health insurance is simply a smart and mature decision to keep you and your family safe and protected from injury and illness. One report stated that the average cost of a work-related injury needing medical consultation was nearly $40,000. It doesn’t have to be an injury or major event to become costly either, such as an illness that results in missing a week or two of work. How does your budget look minus the next two weeks of paychecks? Fortunately, residents of Astoria, OR and the surrounding areas can take comfort in knowing that Linda Dugan Insurance is there, for emergencies just like these.

Health Insurance for You

It doesn’t matter if you have a family of five, work for or run your own business, there are health insurance policies designed to cover our family and friends in Astoria, OR. If you are looking for a new health insurance plan, have had changes in your work or family or just want to compare rates, contact us today. Don’t be left with medical bills you can’t handle. Don’t put yourself in the stressful situation of needing to cover lost time and wages or in a possible situation where you could face fines for being uninsured. The experienced and helpful agents at Linda Dugan Insurance are here for you and your insurance needs, when you least expect it and when you need us most.

3 Reasons Why You Need Umbrella Insurance in Astoria, OR

Umbrella insurance is added protection that goes above and beyond a standard insurance policy. For example, a homeowner’s policy may not cover all unforeseen events that could happen in or around your property. But umbrella insurance isn’t just for your home. Read on to learn some reasons why you should consider purchasing umbrella insurance in Astoria, OR for added protection when it comes to these three scenarios.

1. You Love to Entertain Guests in Your Home

You’re the perfect hostess, or so you thought. While friends and family love to come to your home for your infamous dinner parties, game nights, or other events you love to host, did you know that there could be danger lurking nearby? Take, for example, a guest of a friend falls down the stairs, slips on the patio, or suffers some other unfortunate event that leads to injury and decides to sue you. This is where your umbrella insurance kicks in. It will help cover the costs of the lawsuit that your homeowner’s insurance won’t cover. 

2. You Have Pets

Sometimes dogs bit and cats scratch. If a guest is at your home and has an unfortunate experience with one of your pets or if your pet gets lose and causes an injury, you could be sued. Without umbrella insurance, you may not be able to afford the attorney fees and other associated costs of a lawsuit.

3. You Have an Online Presence

Perhaps you have a blog or you’re an influencer on Instagram. Having an online presence puts you at risk for slander, which could ruin your reputation and any streams of income. However, with umbrella insurance, you will be able to file a lawsuit against the individual or institution who slandered you.

To learn more about umbrella insurance and how it can help you, contact Linda Dugan Insurance serving the Astoria, OR area. You can contact our friendly and knowledgeable agents at Linda Dugan Insurance at 503-440-3909.