Month: October 2025

I only drive my RV once a year. Do I need RV insurance?

Posted on by AgentInsure

An RV is similar to a car if it is motorized or can be driven. If you own a motorhome, the state of Oregon requires you to carry insurance because it is considered a motorized vehicle, even though it also serves as a home. Our Astoria, OR, team at Linda Dugan Insurance is dedicated to helping RV owners understand state laws regarding RVs and obtain the type of coverage they need. RV insurance offers many benefits.

What Are the Legal Requirements to Drive an RV in Oregon?

All RV drivers must carry liability insurance to operate their motorhome in Oregon legally. Additionally, if your RV weighs more than 26,000 pounds, you are required to have a commercial driver’s license (CDL) to drive it. Operating your motorhome without RV liability insurance is illegal. Many RV owners choose to invest in more than just liability coverage, depending on their specific needs and how they use their RV. One of our agents would be happy to discuss your options.

I Only Drive My RV Once a Year. Do I Need RV Insurance?

Regardless of how often or infrequently you drive your RV, you are still required to have at least liability coverage. If you have a loan on your RV, your lender will likely require you to carry additional coverage beyond liability until the loan is fully paid off. Our Astoria agents at Linda Dugan Insurance are committed to meeting the insurance needs of our RV clients. We are here to answer all your questions and help you find the coverage that works best for you.

Contact us today. We’re ready to assist you and ensure you have the protection you need for your RV.

Why Get Flood Insurance if You Don’t Live in a Designated Flood Zone?

Posted on by AgentInsure

For homeowners in Astoria who need homeowner’s insurance but are unsure about whether to get flood insurance, help is here. Our team of agents at Linda Dugan Insurance is experienced in addressing any questions and concerns homeowners may have about the coverage their home needs. This includes explaining the benefits of flood insurance, even if your home is not located in a flood zone.

Flood Insurance Requirements in Oregon

Oregon has straightforward requirements regarding flood insurance. If your home is in a Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, you are required to have flood insurance. Mortgage lenders include credit unions, commercial banks, and other financial institutions. Homeowners can check the FEMA flood map to determine if their home is in a high-risk area.

If your home is not in a designated flood zone, purchasing flood insurance is optional unless your mortgage lender requires it.

Benefits of Having Flood Insurance in Oregon

Flooding can occur anytime and anywhere, even in areas that are not officially designated as flood zones. Unpredictable events, such as severe weather, can lead to flooding, affecting homes in non-flood zone areas. With flood insurance coverage, you can be prepared for these unexpected situations.

Standard homeowner’s insurance policies typically do not cover flood damage. This means that if your home is damaged due to flooding, you would be responsible for all repair and replacement costs. The financial burden of such damage can be overwhelming. Flood insurance helps you avoid these out-of-pocket expenses and protects your investment.

Additionally, homes in low-risk areas may qualify for lower premiums, making flood insurance a cost-effective way to safeguard your property.

Contact Us

For more information about flood insurance and why having it can offer reassurance, give us a call at Linda Dugan Insurance in Astoria, OR. Our team is here to help you make informed decisions about protecting your home.