Three things to know about how umbrella insurance works

Some consumers neglect to purchase a good umbrella insurance policy in Astoria, OR simply because they don’t understand exactly how these policies work. At Linda Dugan Insurance, umbrella insurance is one of the types of insurance we offer.

Consumers should know the following things about how umbrella insurance works.

Umbrella insurance covers costs if you are involved in an accident that costs you more than your existing insurance maximums.

You were probably already aware of the fact that your auto and home insurance policies have some coverage limits. Perhaps you have wondered what happens if you’re sued or involved in an accident that costs you more than these limits. 

Such a scenario can easily deprive a consumer of all of their savings. However, umbrella insurance will cover a policyholder for amounts over the coverage limits of their existing policies. Umbrella insurance offers consumers complete peace of mind regarding their liabilities and many of their financial risks. 

Umbrella insurance protects both property and possessions. 

Some auto and home insurance policies will only protect the property of the policyholder. However, umbrella insurance coverage will apply to not only the policyholder’s property but the policyholder’s possessions as well. 

Umbrella insurance coverage extends to the policyholder’s additional household members. 

Another huge advantage regarding how umbrella insurance policies work is that they typically extend their coverage to all of the household members of the insured individual. The coverage provided is not limited to the policyholder alone. This significantly increases the amount of coverage such a policy provides. 

Contact us at Linda Dugan Insurance if you’re looking for the right umbrella insurance policy in Astoria, OR. 

How Much Healthcare Insurance Should The Average Person Have?

Healthcare insurance is an insurance product that can have a wide variety of benefits. In most cases, those who have chronic health problems need this type of coverage to help provide protection and stability. Even those who are relatively healthy can experience the unexpected and health insurance can protect them from losses. 

How Much Life Insurance Is Enough?

Determining how much insurance is enough for each individual can be complex. When choosing from different options it is important to understand the policyholder’s average needs when it comes to doctor and hospital visits. For example, those who have frequent medical needs will require more comprehensive coverage with lower co-pays. Premiums and deductibles heavily influence which type of policy and how much coverage is the best for each situation. To determine which works for potential policyholders, consult with a licensed health insurance agent.

Get Help Finding Coverage

Don’t shop for healthcare coverage without the help of a skilled healthcare insurance agent. They know the ins and outs of healthcare coverage and can identify current and future needs, then provide policy options to meet those needs. People who are searching for adequate healthcare insurance coverage can count on Linda Dugan Insurance, serving the resident of Astoria, OR, for advice and guidance during the insurance shopping process. Get the insurance products necessary to have comprehensive coverage and peace of mind.

Healthcare coverage can be confusing without the help of a licensed health insurance agent. Call or stop by Linda Dugan Insurance today to find out more about options and to get answers to any questions. The residents of Astoria, OR have an agency they can turn to for complete customer service with exceptional insurance products.