What Oregon Residents Need to Know About Flood Insurance This Spring

Flood insurance is something that many homeowners don’t think about until it’s too late. If you are a resident in the greater Astoria, OR area and would like to learn more about your flood insurance options, the team at Linda Dugan Insurance is here to help. Most home policies do not provide coverage from flood or other water damage, and it is important to understand exactly what protection your primary policy provides. Don’t be left wishing that you had comprehensive flood coverage after the damage is done!

Understanding Flood Insurance

This spring is a perfect time to review your current insurance policies and fill in any gaps that may be present. Many homeowners overlook flood insurance when building their portfolios. If you are in a flood zone, your mortgage holder will likely require a certain level of protection, but there are reasons for everyone to hold some amount of flood coverage. Water damage from flood waters can hit even if you aren’t in a flood zone, especially when there are heavy downpours that cause flash floods. If you aren’t sure exactly what type of coverage is right for your location, it makes sense to meet with a professional agent and learn more about your available options. 

Water damage can be difficult to clean up, and the ongoing damage can be severe. There are instances where flood waters can cause mold, mildew, and other unwanted situations. With the right policy, your family will be protected.

Flood insurance is something that you may not ever use but can really make a difference those times when you do need it. Astoria, OR residents are encouraged to contact Linda Dugan Insurance today and find out more about the flood insurance coverage options that are available. 

3 Tips for Getting Your RV Ready for Your Next Adventure

There’s nothing more exciting than packing up your RV and heading out on the open road. However, there are a few things you need to do before planning a big trip. Here are three tips from our Linda Dugan Insurance team on how to get your RV ready for your next adventure.

Tip #1: Have Your RV Inspected by a Mechanic

The most important thing you can do before your trip is to have your RV inspected by a certified and knowledgeable mechanic. Have them check things like oil levels, the engine, tires, and even the plumbing and septic systems. After all, proper maintenance now is a good way to keep from being stranded during the journey.

Tip #2: Make Sure You’ve Packed Everything You Need

Your recreational vehicle is your home away from home. That’s why it is so important to make sure you’ve packed everything you need for your trip. If you store extra linens, dishes, or other items during the off season, double check them to make sure they’re still in good condition and don’t need laundering or repair. Stock plenty of water, canned goods, and snacks. By taking a little bit of extra time before you leave, you can ensure your vacation is smooth.

Tip #3: Purchase Adequate RV Insurance

Another tip is to purchase adequate RV insurance. Coverage varies by individual type of recreational vehicle, size, and value, so talking directly with an agent is highly recommended. By making sure your recreational vehicle is completely covered, you can rest assured that any issues you encounter while on the road are handled.

Linda Dugan Insurance is proud to help drivers in Astoria, OR and surrounding areas with all of their policy needs. Please contact us today to schedule an appointment.