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.


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!

Services That Are Considered Preventive Health Care

There are so many great benefits that you receive when you have health insurance coverage, and they do not just help during illnesses. There are also benefits that can help to prevent illnesses before they even start. Those are called preventive health care services. Here is more information on them, courtesy of Linda Dugan Insurance serving the Astoria, OR area.


It is a good idea to have a thorough checkup, and the good news is that annual exams are often included in health insurance coverage. A checkup can be a great way to assess overall health and determine if any further tests or treatments are needed. It is common for the health insurance policy to have a list of preferred local doctors and other providers.


Immunizations for illnesses like flu, tetanus, measles, chicken pox, TB and more are typical preventive health care benefits. The immunizations recommended varying based on factors like the patient’s age and individualized needs.

Tests and Screenings

A variety of medical tests and screenings are commonly included in health insurance policies. They include screenings for cancer, diabetes, heart issues and much more. Some tests assess levels of key nutrients in the body.


A unique preventive benefit relates to counseling, including counseling for lifestyle issues. An example of this would be a stop-smoking program.

It’s definitely better to prevent health issues before they arise rather than trying to treat them after they occur. Preventive health care services can help make it possible to do just that. If you need information about health insurance, please feel free to contact Linda Dugan Insurance serving the Astoria, OR area.

Can I use umbrella insurance to cover gaps in coverage with my auto insurance policy?

You thought that you cleared that corner but, several minutes and an accident later, you realize that your judgment was wrong. You caused the incident and are now worried that your auto insurance policy will not cover the full cost of the exotic car you just hit. They may sue. Will your umbrella insurance policy cover this fiasco in Astoria, OR?

There is a policy for that!

As the agents at Linda Dugan Insurance will tell you, an umbrella assurance policy will pay for gaps in various indemnity plans that include auto insurance. You can just consider your umbrella plan as the net that catches you when your standard assurance policy falls short.

How does umbrella insurance work?

Umbrella insurance works alongside your auto policy to ensure that you do not have to pay for expenses out of your pocket. In a real case scenario, you would have to foot the bill for the additional $5,000 if the expenses to repair or replace someone’s vehicle cost $15,000 and your policy covered a maximum $10,000 per incident. Medical bills are another factor that could bring you to financial ruin without an umbrella policy to provide additional coverage where your standard auto insurance plan falls short.

Umbrella assurance is not meant to go alone

You should not obtain umbrella insurance with the thought that the plan will stand alone. Instead, consider a policy as something that further protects your finances in the instance of you having an expensive and untimely accident in Astoria, OR.

The agents at Linda Dugan Insurance can help you understand the ins and outs of umbrella insurance. Contact them today to learn more about obtaining a policy and to get a quote!

Understanding Life Insurance and What Kind is Best

It can be somewhat intimidating to think about the different kinds of life insurance available and make good decisions about the coverage needed. This is why it is important to talk with an agent at Linda Dugan Insurance, serving Astoria, OR and nearby areas, to get some help understanding what life insurance is adequate for your needs.

Types of Life Insurance

Here are some basic differences regarding different kinds of life insurance:

  • Whole Life: This type of life insurance provides protection for loved ones if a person dies, can pay some part of the benefits if a person becomes permanently disabled, and serves partially as an investment. Whole life insurance is meant to be kept for a long time. Over time it builds up cash value, which can be used to borrow against or to pay premiums for future insurance.
  • Term Life: Term life provides insurance for a specific time period and does not accumulate cash value.
  • Universal Life and other investment styles: Universal life is a hybrid policy that combines term life with a savings component. Ask your agent about the life insurance types that have investment characteristics.

Insurance for Different Stages of Life

The type and the amount of life insurance protection needed to provide adequate coverage depend on a person’s age, marital status, and the number of children they have. Younger, single people have only the basic life insurance needs that are necessary to cover the cost of a funeral. When a person gets married or has a significant other in their life, it is time to consider life insurance to help them if something happens to you.

Once a person has children, it becomes imperative to have adequate life insurance coverage. As an adult, who loves their children, having life insurance gives you peace of mind when thinking about providing a secure future for your kids. As you get older, when your kids grow up and move away from home, life insurance needs are reduced.

Make an appointment to talk about life insurance with your agent at Linda Dugan Insurance in Astoria, OR if you need a new policy or to review existing policies to make sure you have adequate coverage.

The Importance of Small Business-Commercial Insurance

Small businesses are a huge sector in the business world and for them to be successful, a commercial insurance is vital. If you are ever wondering the importance of acquiring the insurance, we will cover the essence of it adequately. For the residents of Astoria, OR, visit Linda Dugan Insurance to get a commercial insurance for your small business. A commercial insurance is important for your small business due to the following reasons.


When you insure your business, potential customers and investors will feel that your business is trustworthy. This is important because it will help you get customers and also land great deals from people who are willing to invest in it. A customer will feel safer doing transactions with a business that is well covered.  In the long run, the business prospers.


If your small business has employees, the law will demand a commercial insurance to cover for workers compensation, people with disability and unemployment.  If you fail to acquire the insurance, the business could be fined. The amount of money used to cover the fines could prove to be more costly than acquiring the insurance policy.

The future is uncertain

It is everyone’s wish to see their business grow and become prominent in the future. However, the future is always uncertain and no one knows for certain what is going to happen. For this basic reason, a commercial insurance is required in case there is a disaster. The insurance policy will give you the peace of mind to operate the business. In case anything was to happen, you will be well covered.

Acquiring loans

Not everyone has the required budget to fund their business until it is successful. To deal with budget limitations, the business will look for a lending institution to help with the finances. With a commercial insurance policy, the lender will probably give you the money. If you don’t have one, they will be very reluctant because they will feel their money is unsafe. If you reside in Astoria, OR, visit us at Linda Dugan Insurance to get a commercial insurance for your small business.

We Are Planning a Home Renovation, Do We Need Additional Insurance?

Planning a large home renovation project such an addition or a totally new kitchen? Before you get started it is important to make sure that all of the necessary insurance coverage is in order. At Linda Dugan Insurance we serve the needs of our clients in the greater Astoria, OR area protect their homes from any damage, accidents, or mishaps that can occur when there is a big construction project underway at your house. You will need a thorough review of both your home insurance policy as well as that of your contractor.

Review Your Policy and Your Contractor’s Too

Most people will go through the motions and simply determine that their contractor’s insurance certificate is up to date and leave it at that. While this is a good first step, it is better to actually review their policy and make sure that the coverage levels that it provides are adequate. If you are having a major amount of work completed, or have a project that is going to take a long time, you can even have yourself added to their policy as a named insured. Being added to their general liability policy is a simple process that can make a significant difference in how an accident or other damage can affect you and your family.

Before your contractor gets started on that major home improvement project make sure you have the protection you need. The team at Linda Dugan Insurance is here to help you review your policy for completeness and help you determine if your current policy carried adequate coverage. If you are in the greater Astoria, OR area, call or stop by and we will make sure you are covered before you begin any major projects!