Why should I get an umbrella insurance plan in Oregon?

If you live in the Astoria, OR area, ensuring that you have a proper personal insurance plan in place should be a top priority. A form of insurance that all people here should get is umbrella insurance. When you have an umbrella insurance policy in place, it will give you valuable blanket personal liability coverage. There are a few reasons that you should get umbrella insurance.

Insurance Covers More Situations

A key reason that you will want to have an umbrella insurance plan is that it can cover more situations. The average person regularly faces a variety of liability risks. While some of these are covered by home or auto insurance plans, others are trickier to protect against. The best way that this can be done is by getting an umbrella insurance plan, which offers more blanket insurance coverage and covers a big range of potential risks.

Insurance Offers Additional Protection

Many in Oregon will have home and auto insurance, which offers some liability coverage. While it is a good start, an accident with significant damages could end up exceeding these policy limits. If this occurs, you will want to have umbrella protection as it will provide coverage on top of the other plans that you have in place. 

Those that are in the Astoria, OR area and would like to get an umbrella insurance plan should speak with someone that they can trust. The team with the Linda Dugan Insurance agency is a great group to contact when you are in need of any support. Linda Dugan Insurance will be able to assess all of your needs and give you the guidance that could help you build an umbrella insurance plan that continues to provide adequate personal liability protection. 

Why Do Oregon Residents Need Health Insurance?

One thing you can attest to is that health is wealth. Without sound health, you can virtually not function. With this in mind, it’s a no-brainer to protect yourself with health insurance from Linda Dugan Insurance of Astoria, OR. If you are still unconvinced that you need health insurance, here are a few more reasons you should consider this insurance.

Rising healthcare costs

With the constantly increasing cost of healthcare in the country, medical expenses can wreak havoc on your savings if you don’t carry health insurance. Additionally, with the rising number of diseases, health insurance ensures that you get medical care without worrying about medical costs. 

Tax benefit

Are you looking towards reducing your tax burden? Health insurance can be an excellent place to start. If you are registered with an employer-sponsored health insurance plan, your health insurance premiums are already tax-free. Self-employed individuals can enjoy tax-deductible health insurance premiums if they meet specific requirements. 

Changing lifestyle

Over the years, our lifestyles have been rapidly changing, exposing us to a plethora of diseases. From our eating habits to the heavily polluted environment we live in, our health is always in danger. In such perilous times, health insurance becomes the go-to investment to protect us from various health disorders.

Preventing illnesses

Health insurance doesn’t only kick in when you are sick. It protects you from getting sick in the first place. When you carry health insurance, it enables you to access the below preventive health care:

  • Vaccinations
  • Annual checkups
  • Scans and screenings
  • Blood tests

Periodic health checkups are vital in arresting early symptoms of diseases that exhibit visible signs in advanced stages. Health insurance also helps you manage chronic diseases like cancer, diabetes, and heart disease, prolonging life and helping you live a quality life. 

Health insurance in Oregon

If you are now convinced that you need health insurance, it’s time to contact Linda Dugan Insurance, serving Astoria, OR, and the surrounding areas. When you visit us, we will help you navigate the health insurance options available.