How a home inventory can help you

Astoria is the oldest city in the state of Oregon and one of the most charming places to own a home. Owning a home is part of the American dream and when you purchase a home, home insurance will help to give you peace of mind knowing that you are protected against some of the unfortunate things that life can throw at you. Choosing your home insurance policy is one of the most important things that you can do to protect your investment and the team at Linda Dugan Insurance in Astoria, OR will be happy to help create the perfect policy for your needs and wallet. 

As a homeowner, you have many responsibilities, keeping your home in good repair, paying your taxes, and making a home inventory. Why should you make a home inventory and how can it help you?  If you have ever filed a claim with your insurer you know that they are going to want to know what was lost by the damage your home sustained. Most homeowners own a lot more personal property than they realize. Try to think of all the clothing that you own, that might be a little overwhelming. 

A home inventory is a record of what you have in every individual room of your home. It can be a written record, a video record, or a digital record. It should be accompanied by as many additional records as possible. Things like receipts, invoices, and appraisals can make it much easier to prove what needs to be replaced. Your inventory also needs to be stored in a safe place and in today’s world, online might be the way to go. 

At Linda Dugan Insurance in Astoria, OR the experienced staff is available to sit down and discuss your home insurance needs and give you a no-obligation quote. Give the office a call or stop by. 

The best auto insurance options for motorists in Oregon

If you are a motorist in Oregon, it is the law that you must have at least a liability auto insurance coverage. The minimum amount of insurance each driver must obtain is $25,000 per person for bodily injury and property damage liability, including $50,000 per crash for bodily injury to others and $20,000 per crash for damage to other people’s property. You must have at least $15,000 per person of personal injury protection and uninsured motorist insurance in the amount of $25,000 per person and $50,000 per crash for bodily injury but what other coverage options are available to Oregon drivers?

Collision insurance

Collision insurance is a level of auto insurance that includes coverage for repairs to your vehicle they may need to be made if you were involved in a traffic accident, no matter who is at fault. This type of coverage also covers property damage and any damage to the vehicle that is a result of the collision with other things besides someone’s vehicle on the road, such as trees, poles, and buildings. If your car is declared totaled by the auto insurance company, this type of coverage may provide a replacement vehicle of the same market value or a nice down payment for another vehicle.

Comprehensive insurance

Comprehensive insurance coverage will replace your vehicle if it is stolen or it is damaged by a natural disaster, such as a tornado, hurricane, or hail storm. This also includes damages sustained by your vehicle due to vandalism after a police report is filed.

These are just basic insurance categories and you can work with your trusted and experienced auto insurance agent to create the very best policy for you and your situation. She or he will have the skills and database to find the best insurance options for you so that you can drive with confidence and the peace of mind you deserve.

The staff and insurance agents at the Linda Dugan Insurance Agency in Astoria, OR are ready to serve you and all of your auto insurance needs by connecting you with the best insurance options in Oregon. Call for an appointment today!