Life Doesn’t Stop When You Get Sick

Life is filled with exciting, difficult and unexpected moments. When those unexpected moments result in illness, injury or impact our health, we often find ourselves in need of help. That is what health insurance is for and it is there when you need it when you least expect it.

 Insurance to Get You Back On Your Feet

As parents, it is our responsibility. As adults, it is not only a requirement of the law but also part of being a responsible person. Having health insurance is simply a smart and mature decision to keep you and your family safe and protected from injury and illness. One report stated that the average cost of a work-related injury needing medical consultation was nearly $40,000. It doesn’t have to be an injury or major event to become costly either, such as an illness that results in missing a week or two of work. How does your budget look minus the next two weeks of paychecks? Fortunately, residents of Astoria, OR and the surrounding areas can take comfort in knowing that Linda Dugan Insurance is there, for emergencies just like these.

Health Insurance for You

It doesn’t matter if you have a family of five, work for or run your own business, there are health insurance policies designed to cover our family and friends in Astoria, OR. If you are looking for a new health insurance plan, have had changes in your work or family or just want to compare rates, contact us today. Don’t be left with medical bills you can’t handle. Don’t put yourself in the stressful situation of needing to cover lost time and wages or in a possible situation where you could face fines for being uninsured. The experienced and helpful agents at Linda Dugan Insurance are here for you and your insurance needs, when you least expect it and when you need us most.

3 Reasons Why You Need Umbrella Insurance in Astoria, OR

Umbrella insurance is added protection that goes above and beyond a standard insurance policy. For example, a homeowner’s policy may not cover all unforeseen events that could happen in or around your property. But umbrella insurance isn’t just for your home. Read on to learn some reasons why you should consider purchasing umbrella insurance in Astoria, OR for added protection when it comes to these three scenarios.

1. You Love to Entertain Guests in Your Home

You’re the perfect hostess, or so you thought. While friends and family love to come to your home for your infamous dinner parties, game nights, or other events you love to host, did you know that there could be danger lurking nearby? Take, for example, a guest of a friend falls down the stairs, slips on the patio, or suffers some other unfortunate event that leads to injury and decides to sue you. This is where your umbrella insurance kicks in. It will help cover the costs of the lawsuit that your homeowner’s insurance won’t cover. 

2. You Have Pets

Sometimes dogs bit and cats scratch. If a guest is at your home and has an unfortunate experience with one of your pets or if your pet gets lose and causes an injury, you could be sued. Without umbrella insurance, you may not be able to afford the attorney fees and other associated costs of a lawsuit.

3. You Have an Online Presence

Perhaps you have a blog or you’re an influencer on Instagram. Having an online presence puts you at risk for slander, which could ruin your reputation and any streams of income. However, with umbrella insurance, you will be able to file a lawsuit against the individual or institution who slandered you.

To learn more about umbrella insurance and how it can help you, contact Linda Dugan Insurance serving the Astoria, OR area. You can contact our friendly and knowledgeable agents at Linda Dugan Insurance at 503-440-3909.

Life Insurance and Living on a Limited Budget

If you work hard for a living but have to keep a close eye on your savings account, you might think that life insurance is an extravagance you just don’t need. However, if you have a family in the Astoria, OR area, you may discover that life insurance from Linda Dugan Insurance is something you really shouldn’t sacrifice. Let’s check out the basics of what it’s all about.

Who Benefits from a Life Insurance Policy?

Your life insurance policy can designate your spouse, live-in companion, parents, or even a lifelong friend as its beneficiary. Basically, whoever you think will be responsible for taking care of your final expenses and caring for your personal possessions is a good person to receive payment from the policy.

What Can the Money be Used For?

The cash from a life insurance policy generally comes with no strings attached. However, if you have children it could help pay the rent or mortgage while they grow up and potentially fund a college savings account. It can assist the family through a period of adjustment by clearing credit card balances, pay off the car loan, or cover the wake and funeral. 

Providing Security at Crucial Moments in Life

If you are the sole source of income for your family, your death could create a tragic and traumatic period where the question of how to pay for food and utilities for the first year can be very serious. A life insurance policy provides the net that is needed to help your loved ones make it through an uncertain moment in their lives. 

Best of all, you don’t have to break the bank to purchase a life insurance policy in the Astoria, OR area. Give the friendly and understanding agents at Linda Dugan Insurance a call and ask us about all of your options today.

Commercial Insurance Add On to Consider

You have put a considerable amount of time and energy into your business, growing it from the ground up. With all of the time and energy you’ve put into your business you need to do what you can to protect it. One of the best ways to do this is to take out appropriate commercial insurance. With so many different commercial insurance add ons though you may not know what each does or what is right for you. If your business is in or around Astoria OR Linda Dugan Insurance is here to assist. 

Worker’s Compensation

If you have any employees this is a must. Should an employee injur themselves on the job while performing job related tasks you are required to cover medical expenses and other costs associated with the injury. This can quickly add up, which is why you need the insurance coverage. With the insurance coverage you can protecdt your own finances by having the coverage pay for the injury and costs associated with it. 

Data Breach

In the modern world of business there is likely a considerable amount of information stored online or on the cloud. It is your responsibility to take care of this information, so if there is a data breach and client data is lost, you will likely be held responsible. Data breach protection will help financially protect your business from potential lawsuits and other expenses that may be associated with such a problem. 

Commercial insurance is a critical investment of your business you need to make. There are a number of commercial insurance add ons to consider though, and what’s right for you will not always be right for the next business. So if you run a company in or around Astoria OR Linda Dugan Insurance is here to help. 

Hazards to the home in the Astoria OR area

Residents know that the state of Oregon has specific hazards tied to the weather and other local features. This is why a discussion about these potential problems with an insurance agent at Linda Dugan Insurance is crucial. Keep reading to find out more about what kinds of issues may threaten your home.

Because Astoria is an oceanfront community, hazards related to flooding and water damage are always a source of concern, especially with both the Pacific Ocean and Columbia River nearby. Keep in mind that Astoria is essentially surrounded by water.

If your home is in a flood zone, specific flood insurance coverage may be necessary. Generally, the closer a home is to the water, the higher the potential for damages over time, which is factored into insurance premiums. The Pacific Northwest is also known for heavy rainfalls that can become damaging if they are severe enough and cause water levels to rise. 

Not all damages are related to water, as high winds and snowfall are also common in Oregon. Winds can come directly off of the coastline and force debris to become projectiles. Much like during a hurricane or typhoon, this is a source of significant danger to the home. Snow and ice accumulations during the winter months can also cause slipping and sliding or structures to cave in during severe storms. It is important to be prepared each winter for serious blizzards and other weather events. 

For those who live in Astoria, OR and surrounding areas, please contact Linda Dugan Insurance for further information. A policy that takes your particular concerns into consideration can be created and offered to you.   

Auto Loan Amount VS. Insured Amount — How Much Coverage Do I Need?,

Trying to understand your Astoria, OR home loan amounts and insurance policy amounts can be difficult, and trying to determine the difference between what your auto loan amounts and insured amounts are can be tricky, too. At Linda Dugan Insurance, we know that you need to understand the difference in order to obtain the right protection. Here’s what you need to know. 

Loan Amount VS Insured Amount  

“Loan amount" is the amount of money you borrow from the lender and agree to repay. This amount sometimes includes more than just the amount of money you borrow – it can also include closing costs, fees, and points. The amount of your loan can differ significantly from the amount of your insurance coverage, which is the amount of policy coverage.  

Why The Difference? 

When you compare your loan amount with your insured amount, you need to consider the amount of money paid versus the money you’ll receive in the event of a claim. For example, if you still owe your lender $25,000, but your auto insurance covers the cash value of your vehicle, which is $20,000, the difference between your loan amount and your insured amount is $5,000. If you are involved in a collision and file a claim, you would receive the $20,000 cash value, but you would still owe your lender the full $25,000 due on your loan. 

What’s The Solution? 

In order to fully protect your loan amount, or you need what is called gap insurance in addition to your standard auto insurance policy, to cover the difference between the amount determined by your policy and the amount you still owe on your loan.  

There’s more to buying auto insurance than just buying standard coverage — you need the right amount of coverage for your specific situation. At Linda Dugan Insurance, we’re the Astoria, OR insurance experts. Give us a call today –we can help you choose the right policy for your unique needs.

Why You Should Consider Toy Insurance In Astoria Or

Do you own any adult recreational toy like an RV, a boat, a watercraft, an ATV, and others? You should think of getting toy insurance for it. According to an executive of Linda Dugan Insurance whose serving city is Astoria OR, some of these toys face the same risks as real automobiles. So, using them without any toy insurance is like driving a car without any insurance. 

Find some of the reasons to consider recreational toy insurance below. 

For liability

In Astoria, OR, people don’t joke take bodily injury lightly. If an accident occurs while using your toy and you happen to be at fault, you are likely to face a lawsuit or multiple lawsuits. Even if you are not at fault, you may need the service of a lawyer to prove that.

Toy insurance covers the claims from liabilities filed against you. This may include property damage liabilities and bodily injury liabilities. 

For comprehensive damages

Your toy may get vandalized or burnt by fire or it may get stolen. If that happens, who will you blame? Who will bear the cost of fixing it or buying another one? Without toy insurance, you will bear the cost. This is what a typical toy insurance covers. 

For accident caused by under-insured driver

It is possible for an uninsured driver to hit you. When that happens, you and your passengers will sustain some bodily injuries. Who will cover your medical bills since the culprit is not insured? Without any insurance, it is you, especially if the occupants are your spouse and kids. Every toy insurance policy also covers this.

For direct collision

Your toy may get hit or it may hit a vehicle or object and get damaged. Without insurance, you will be responsible for fixing it. This is another situation where toy insurance can help. It covers damages from a collision.

By now, you should have realized how smart it is to get toy insurance for your recreational toy. For more information, contact Linda Dugan Insurance. 

Is Boat Insurance Mandatory in Astoria, OR

The vast majority of states do not require residents to purchase boat insurance for their watercraft. Astoria OR residents who are looking to remain safe on the waters will often ask Linda Dugan Insurance agents about these sorts of requirements. Knowing which states require boating insurance is a crucial step. 

At the current moment, there are only a few states that have already issued mandatory boating insurance requirements but Oregon is not one of them. That does not mean that Astoria, OR boating enthusiasts should make the mistake of assuming that they do not require a certain amount of coverage. 

Marinas often require boaters to purchase the proper coverage, so that they can remain protected from various issues that can result from mooring and slip usage. The bank is also going to have requirements that need to be met when they are providing a loan for the boat in question.

The bank is typically going to require the policy holder to purchase insurance that covers the full costs of the watercraft. In addition to this requirement, the bank is also going to be listed on the policy that is purchased as a lien holder. This keeps the bank safe, in the event that the policy holder misses any of the necessary monthly payments. 

While these requirements do not always apply to the boater in question, it is always better to err on the side of caution when it comes to situations like these. The requirements may also vary depending on the size of the boat and its level of horsepower, so be sure to provide all of the necessary information to boating insurance agents. 

Be sure to contact Linda Dugan Insurance to learn more about the boat insurance requirements for those who reside in Astoria, OR and the surrounding areas. 

Why RV Insurance is Important to Have

If you are looking to take a tour of the country or go on an extended trip, one of the best ways to do it would be to purchase your own RV. While having an RV can come with a lot of fun, it is also a valuable asset that needs to be properly protected by insurance. There are several reasons why having RV insurance is extremely important.

Protects Valuable Asset

The most important reason why you need to make sure that you have insurance on your RV is that it will help to protect your valuable asset. When you purchase a RV, you are buying an asset that you likely hope to own for more than a decade. To make sure that you get all that you can out of it, you will want to make sure that it is properly covered by insurance. 

Provides Liability Protection

Whenever you take an RV out on the road, you are taking on a certain amount of liability. If you happen to be found at fault in an accident, you could be held responsible to make restitution to the other party. What do you have RV insurance in place, the liability insurance will provide you with protection for these situations.

Requirements 

While having RV Insurance is always a good idea, it is also a necessity under a variety of different requirements. When you have an RV, you may be required to carry RV insurance by a lender or lessor if you took out financing for the purchase. Also, those that are in the Astoria OR area will need to comply with state requirements that govern RV insurance minimums. 

If you are in need of RV insurance and are in the Astoria, OR area, you should reach out to the team at Linda Dugan Insurance. When you contact this insurance agency you will receive far more insight into what your RV insurance needs and requirements are. 

Do You Really Need Flood Insurance? Yes, And Here’s Why

Did you know that less than 20 percent of homeowners in the United States have proper flood insurance? Among those unprepared are property owners in high flood areas where destruction by water is not only common but more like a holiday season. You may not believe that you need flood insurance in Astoria, OR. You may, however, want to reconsider such thoughts after reading these facts about homeowners’ insurance regarding flooding. Linda Dugan Insurance is here to help with all of your flood insurance needs!

Doesn’t homeowners’ insurance cover floods?

Your homeowners’ insurance policy may pay for water damage if a pipe breaks in your home and destroys your valued possessions. A standard homeowner’s indemnity plan will not cover water damage caused by natural disaster. You are out of luck if a hurricane comes to town and you lack flood insurance. Imagine yourself paying into a plan that, in the end, does not work as you thought it would. Such is the case when you rely on homeowners’ insurance to cover flooding caused by natural disasters in Astoria, OR. 

What does flood insurance cover?

A flood insurance policy can pay for the following:

  • Damage to the physical structure of your property
  • Electrical systems in your home
  • Plumbing disruptions caused by major flooding
  • Personal possessions such as computers, televisions, and large kitchen appliances
  • Moisture and mold buildup caused by flooding

It may also be possible to receive reimbursement for relocation if your home is inhabitable after a flood. Such protection is vital when tragedy strikes suddenly and funds are limited. 

How do you purchase a policy?

Flood indemnity plans typically come with the backing of the federal government. You need to speak with a skilled agent to fully understand all that flood insurance entails and to find the policy that best fits your lifestyle. Contact Linda Dugan Insurance today to get started with a quote!