Rving is rapidly becoming a popular way to travel in and out of Astoria, OR. It’s rewarding and exciting to plan, travel, and spend time out there without worrying about booking flights and hotels. However, any travel enthusiast will tell you that your life and safety heavily depend on your actions. So how do you ensure you are always safe while out there, even when you are alone? Linda Dugan Insurance highlights a few safety tips to get you started.
Improve Your Driving Skills
Whether you just bought your new home on wheels or have been driving for the past year, consider taking a few hours to practice and improve your RV driving skills. Long-distance travel means driving hours on end. Make better use of cameras, mirrors, and windows to know your surroundings. Practice safe turning and stopping before heading out.
Routine Inspection and Maintenance
Never assume or overlook things when traveling, especially mechanical issues. Before hopping in and locking the doors, conduct a thorough interior and exterior inspection to ensure everything is in order. Make a point of taking your RV for routine service and maintenance a week before traveling to keep it in tiptop condition. That way, your mechanic will check and correct any issues before your big day.
Check Road Conditions
When traveling far places, you’re likely to use roads you have never used before. Some will be under construction, some may have heavy traffic, some may be closed, and some may be dangerous to use due to harsh weather. This could lead to delays, confusion, and frustration. Therefore, do prior research on different roads to make sure they are clean and safe to use.
Have Enough RV Insurance
Don’t forget to carry enough RV and travel insurance. Your policy will help protect you and your loved ones while out there, especially when you need roadside assistance.
Not sure where to buy proper RV insurance in Astoria, OR? Linda Dugan Insurance has what you need to stay and feel safe while on the roads. Call us for more information.
Did you know that floods are the most common natural disasters in the US? Floods are a constant threat to Americans. Even if you don’t reside in high flood-risk areas in Astoria, OR, you are susceptible to some danger or loss from a flood. Why? According to National Flood Insurance Program (NFIP), 20 percent of all flood claims filed emanate from low to moderate flood risk areas!
Given these statistics, prior preparation for the possibility of a flood by understanding flood insurance is crucial. Are you concerned that your household is devoid of protection against flood surges? Please connect with our dedicated agents at Linda Dugan Insurance, who will assist you in acquiring proper flood insurance irrespective of your location.
Is flood insurance mandatory in Oregon?
Though flood insurance isn’t federally mandated in Oregon, your lender may still demand you to purchase flood insurance even if you reside outside the high-risk area. Since typical home insurance doesn’t protect you against floods, it’s a wise choice to buy flood insurance to protect your home.
What does flood insurance cover?
Flood insurance from NFIP covers your home up to $250,000 and contents up to $100,000. However, you can increase these limits by topping up your premiums. Flood insurance on the dwelling covers:
- Standard home systems like central AC, furnace, and electrical wiring
- Wall, windows, doors, and roof
- Built-in appliances such as refrigerator stoves and dishwashers
- Permanently installed carpeting, wallboard, bookcases, and cabinets
- Detached garages
- Building and its foundation
- Electric and plumbing system
- Window blinds and shutters
Content coverage covers:
- Furniture and movable floors
- Portable and window air conditioners
- Clothes washers and dryers
- Curtains and window treatment
- Portable appliances like window air conditioners and microwaves.
If you own high-value items like art, silverware, and jewelry, it’s prudent to inquire from your insurer about additional riders or endorsements to enhance your coverage.
Flood insurance in Astoria, OR
Do you need help in finding a salient flood insurance policy that safeguards your dwelling and its contents from flood damage? Call or visit our offices at Linda Dugan Insurance and get comprehensive information about flood insurance.