Month: March 2026

Does Your RV Insurance Cover Campsite Injuries and Guest Accidents?

Posted on by AgentInsure

You have parked your RV at a campsite in Astoria, OR, set everything up, and settled in for a relaxing weekend. A neighboring camper walks over to say hello and accidentally trips over your leveling blocks, injuring themselves.

Scenarios like this can disrupt even the most carefully planned getaway. Accidents happen, and the best way to protect yourself from the unexpected is to have the right RV insurance in place before your trip.

The Imperfect Storm: Guests, Rain, and Slippery Campsites on the North Coast

Astoria, OR, experiences frequent rainfall, which can create wet steps, muddy ground, and slippery surfaces throughout a campsite. These conditions make it easier for someone to fall, even when you have taken reasonable precautions.

You cannot control the weather, but you can make sure you have liability coverage that protects you if a guest is injured while visiting your campsite.

What RV Liability Insurance Covers in Oregon

Many RV owners assume their standard RV insurance applies to accidents involving guests at a campsite. This is not always the case. Coverage depends on the specific terms of your policy.

Oregon law (ORS 806.010) requires motorized recreational vehicles driven on public roads to carry liability insurance. This coverage applies to injuries or property damage you cause while the vehicle is in motion. It does not automatically extend to injuries that occur after the RV is parked at a campsite.

The team at Linda Dugan Insurance can review your policy to determine whether you have the correct coverage for campground-related incidents.

Why Vacation Liability Matters for RV Insurance

Liability coverage while driving and while parked are two distinct types of protection. Once you settle into an RV site near the coast or at Fort Stevens, your driving liability coverage may no longer apply.

Vacation liability, also called campsite liability, provides coverage when a guest is injured at your campsite. It functions similarly to the liability portion of a homeowners’ policy, providing coverage for incidents that occur on the site where your RV is parked. Not every RV insurance policy includes this coverage automatically, so reviewing your policy is important.

Double-Check Your RV Insurance Coverage

At Linda Dugan Insurance, our team can walk you through your policy and help you confirm that you have the protection you need for your RV trips. Reviewing your coverage before your next getaway ensures you are prepared for unexpected situations and can enjoy your time away with confidence.

How Flood Insurance Works for Properties Outside High-Risk Areas

Posted on by AgentInsure

Many property owners assume flood insurance is only necessary for homes located in high-risk flood zones, but flooding can occur anywhere water flows or collects. Properties in moderate-to-low risk areas can still experience significant flood damage from severe storms, flash flooding, or infrastructure failures, none of which are covered by standard homeowners’ insurance. Understanding how flood insurance applies to these areas helps property owners make informed decisions about this important protection. At Linda Dugan Insurance in Astoria, OR, we help property owners in all flood zones evaluate their coverage options.

Coverage and Eligibility in Moderate-to-Low Risk Zones

The National Flood Insurance Program provides flood coverage for properties in every flood zone, not just high-risk areas. Homeowners in moderate-to-low risk zones can obtain the same maximum limits available to higher-risk properties, including up to $250,000 in dwelling coverage and $100,000 in personal contents coverage. Because these areas have statistically lower flood exposure, policyholders often benefit from reduced premiums, making flood insurance more affordable than many expect.

Waiting Periods and Policy Requirements

Properties outside designated high-risk zones typically have a 30-day waiting period before flood insurance becomes effective. This waiting period prevents last-minute policy purchases when a storm is already approaching. Unlike properties in high-risk zones where lenders may require flood insurance for mortgage approval, homeowners in lower-risk areas are not subject to mandatory flood insurance requirements, giving them more flexibility in choosing coverage.

Why Proactive Coverage Matters

National data shows that properties outside high-risk zones account for roughly 25% of all flood insurance claims, demonstrating that flooding is not confined to specific areas or mapped boundaries.

Don’t assume your property’s location eliminates flood risk. Contact Linda Dugan Insurance in Astoria, OR, to explore flood insurance options that help protect your home, no matter which flood zone it’s in.