What Protection Does Flood Insurance Provide?

Flooding is a common event in Oregon, putting homeowners at risk of financial loss due to flood damage. If you live in an area that’s prone to flooding, it’s important you prepare by purchasing flood insurance. With flood coverage from Linda Dugan Insurance, you can get compensation for damage to your home or loss of personal goods due to flooding. Here’s what you can expect from a typical flood policy.

Flood Insurance Coverage in Astoria, OR

Standard flood policies offer two types of protection – building coverage to protect your home and contents coverage for your belongings.

In addition to your home structure (ceiling, walls, flooring), building insurance covers your electrical system, plumbing, furnace, water heater, home appliances, carpeting, cabinetry, built-in bookshelves, paneling, window blinds, and more.

Contents insurance covers all your personal goods to include clothes, furniture, small kitchen appliances, electronics, washer & dryer, portable AC units, and area rugs. It also covers valuables like original artwork and posh jewelry up to the limit of $2,500.

If your home and possessions are important to you, take the time to protect these valuable investments with flood coverage.

Importance of Flood Coverage

As a homeowner in Astoria, OR, there are numerous reasons to consider purchasing a flood insurance policy. First, floods aren’t limited to flood zone areas – they can occur anywhere. That’s why it’s important to be prepared with flood coverage.  

Second, it doesn’t take much floodwater to cause extensive damage. Even a few inches of standing water can cause disastrous results. Third, home insurance doesn’t cover flooding. Without flood coverage, you could wind up paying for flood damage on your own.

Where to Purchase Flood Insurance

For your convenience, you can purchase flood coverage locally from Linda Dugan Insurance. We’ll help you determine the coverage best suited to your needs.

Is RV Insurance Required in Oregon?

You are ready to head out on the highway in your new RV, otherwise known as a recreational vehicle, but to do it with the peace of mind you deserve, you will need to obtain the proper RV insurance policy. The agents at Linda Dugan Insurance in Astoria, OR have the knowledge and experience with RV insurance to put you on the right road.

RV Liability Insurance

The state of Oregon, like nearly every other state in the United States, requires that all RV owners have at least a liability insurance policy that will cover injuries to people sustained in an accident deemed to be your fault and any property damage you may cause. Also, you must have liability insurance that will cover anyone that is visiting your RV and is injured in some type of mishap, such as a fall.

Collision Coverage

Collision insurance will cover damages and injuries that can occur if you are involved in an accident with another vehicle or an object. For example, if you back your RV into a camper at a campground you are staying at, this part of your insurance policy will cover damages to your RV and the other person’s camper.

Comprehensive Coverage

This type of insurance will cover your RV if it is damaged or destroyed due to a fire, vandalism, or natural disaster, such as a tornado. Comprehensive insurance will also help you replace your RV if it is stolen and can also cover your personal property inside your RV.

Call for a Quote

To obtain the perfect RV insurance policy that fits your situation, call upon the RV insurance agents at Linda Dugan Insurance in Astoria, OR today!

Who should get health insurance?

Those that are in the Astoria, OR area should spend time every so often considering their personal insurance needs. One form of insurance that all people here need to get is health insurance. This type of insurance can provide you with access to affordable healthcare. There are several reasons why everyone in this area should get health insurance coverage.

Insurance Gives Access to Care

The main reason that people in this area of Oregon should get health insurance is that it will provide them with access to affordable care. If you are ever become sick or hurt and need to see a doctor or have a procedure, the cost can be significant if you do not have health insurance. Additionally, those that are not insured are far less likely to see a doctor for regular visitations, which can encourage a less healthy overall lifestyle and will preclude you from getting important prescription medication. 

Insurance is a Legal Requirement

Another reason that everyone should get some form of health insurance is that it is now a legal requirement. For the past few years, all people have been required by law to have insurance for themselves and their dependents. If you do not have the right coverage in place, you will be penalized at the end of the year as you will need to provide evidence of insurance coverage when filing your taxes. 

There are a lot of options to consider when looking for health insurance in the Astoria, OR area. When you are looking for your next policy, you should call Linda Dugan Insurance. The health insurance team at Linda Dugan Insurance understands the complexities that come with a health insurance policy. They can help you understand your options and choose the right policy for your situation.

Three advantages you’ll enjoy by investing in umbrella insurance today

Taking out an umbrella insurance policy can benefit consumers in Astoria, OR in numerous ways. We provide umbrella insurance coverage at Linda Dugan Insurance. 

The following are three advantages you can enjoy by investing in umbrella insurance today.

Umbrella insurance offers greater financial security.

You face financial risks if you don’t carry umbrella coverage. You could face a liability lawsuit that could end up costing you a great deal.

Umbrella insurance provides you with financial security. With this type of coverage, you keep your finances more stable regardless of what happens down the road. 

Umbrella insurance protects your net worth.

Those who have a lot of assets to protect are especially at risk of being targets for lawsuits. Unfortunately, your net worth can be severely decreased or even wiped out quickly if you face a lawsuit.

With umbrella insurance coverage, you’re protecting your assets. If you do face a costly lawsuit, your umbrella insurance coverage will cover the costs. This way, you don’t have to pay out of your own pocket and lose your hard-earned assets as the result of a lawsuit. 

Umbrella insurance prevents unexpected financial setbacks.

It’s good to be able to plan for the future. Unfortunately, your plans for the future can fall apart quickly if you face a lawsuit and you don’t have umbrella insurance coverage.

With umbrella insurance coverage, you minimize the chances that you’ll face a severe financial setback. You have coverage to fall back on if an unexpected accident occurs for which you are held liable. 

We can provide you with more helpful information on the many advantages umbrella insurance coverage can offer you in Astoria, OR. Contact us at Linda Dugan Insurance to learn more. 

What type of life insurance should I get?

Anyone that lives in the Astoria, OR area will have many different types of insurance that they need to obtain. One very important form of insurance that anyone here needs to consider getting is life insurance. This form of insurance will provide protection to your dependents. There are two common forms of life insurance you should consider when picking your next policy.

Term Life Insurance

A very common form of life insurance that many people choose today is term life insurance. When you get a term life insurance policy, you will be able to build a policy based on your personal needs. This will include having a coverage amount for a defined period of time, which could range for over 25 years. Compared to other forms of coverage, this is the more affordable option in many cases. However, coverage will end once the term of the policy is over.

Whole Life Insurance

Another type of insurance that you can consider getting is whole life insurance. When you get this insurance, you will obtain coverage for the rest of your life if you want to have it. While premiums tend to be more than with term life, some of your payment will grow and accrue in an account that you could liquidate in the future. This can make it a good addition to any financial plan.

As you are shopping for life insurance in and around Astoria, OR, you should call Linda Dugan Insurance. Choosing a new policy is never easy and you are bound to have a lot of questions. If you do call Linda Dugan Insurance, you can learn a lot more about your different options. This could help to ensure that you choose a policy that is right for your situation. 

Commercial Insurance Requirements in Oregon

Owning a small business is not for the faint of heart with many people staking their livelihoods on the success of their company. Consequently, it is imperative that business owners protect their most important and likely largest investment by choosing a commercial insurance policy that best fits their needs and includes enough liability coverage to protect themselves against a worst-case scenario.

Specific to Oregon, business owners are required to carry commercial insurance to protect both their business, employees, and third parties. No matter whether you have full-time or part-time employees, you are required to have workers’ compensation insurance which helps pay the medical bills associated with an employee’s workplace injury or illness. Additionally, if your business owns any vehicles then you must have commercial auto insurance meeting at least Oregon state minimums for liability coverage. Although not required, if your employees utilize their personal vehicles for business use, then their auto insurance is unlikely to cover them while on the clock making it imperative that you purchase hired and non-owned auto insurance.

At Linda Dugan Insurance in Astoria, OR our friendly team of knowledgeable insurance experts will take the time to learn about your business so we can recommend a customized commercial insurance policy that exceeds your expectations. After hearing your needs, we can help make recommendations about additional policies like cyber liability insurance or malpractice coverage that may make sense for your business. Shopping for insurance does not have to be complicated and we strive to make it a simple process so give us a call today to learn about our commercial insurance policies and we promise to deliver exceptional service in a timely fashion.

What Are Toy Insurance Options?

When many people think of toy insurance, they think of the type of insurance policy that will cover collections of toys that are worth some amount of money but there is actually a more common and more widely used form of toy insurance that covers recreational vehicles that many people have purchased. Those types of toys include motorcycles, four-wheelers, all-terrain vehicles, and even boats. If you have invested money in one of these fun toys, you will definitely want to protect your investment by obtaining a toy insurance policy.

What Does It Cover?

For your recreational and fun toys, you can obtain liability coverage in the case of an accident happening. This type of policy will cover not only any bodily injuries sustained by others involved in the accident but also property damage that may be caused by a crash. You can also obtain collision insurance, which means if you hit an object, such as a pole or building, or another vehicle, this policy will cover the damages. A comprehensive policy will replace or repair your toy if it is damaged in a fire, by vandalism, or stolen in a theft incident. This type of policy also covers your boat, ATV, or other toys is it is damaged in a natural disaster, such as a hailstorm or tornado. It is also a good idea to obtain a policy, referred to as an underinsured or uninsured motorist policy, that will cover your toy if it is damaged by another driver who does not have an insurance policy at all or not enough coverage to replace or repair your toy when it is damaged.

The Need For Toy Insurance

You will want to obtain a toy insurance policy to cover the items you hold dear to you and have fun with. You have spent time and money to purchase your toy and you deserve the peace of mind that is provided when you have an insurance policy to cover it.

To create the best toy insurance policy for you and your situation, contact the toy insurance agents at Linda Dugan Insurance in Astoria, OR today for an appointment to set up your policy.

How to Implement Better Boat Safety in Astoria, OR

Getting out on the water in Astoria, OR is not exactly difficult. Your proximity makes it nearly impossible not to have some sort of watercraft available, so you can really make the most of your beautiful location. But water can be one of the most dangerous things on the planet if you’re not careful. Linda Dugan Insurance wants you to know more about how you can improve your boat safety long before you set out for an adventure. 

Think It Through 

Boat safety starts with really going through every scenario. From life preservers to escape routes to emergency services, you really need to think about the resources you have and how they can be applied in any given situation. Someone who can’t swim very well may need a very different plan than someone who was a former lifeguard. 

Repetition Works 

In an extreme situation, repetition is the best way to combat panic. The more people are afraid, the more likely they are to forget the plan. Going over the safety plan should be done regularly, ideally to the point where people can do it in their sleep. The more comfortable people feel with each scenario, the more likely it is that they’ll go into autopilot rather than overthinking every possible danger in front of them. 

Boat insurance can’t prevent every dangerous situation in Astoria, OR, but it can go a long way toward restoring your boat after something occurs. With the right help, you can get the repairs you need to keep your boat safe when it’s on the water. If you have questions about boat insurance, call Linda Dugan Insurance today to find out more about what kinds of policies are available to you and your watercraft. 

What Kind of RV Coverage Do You Need?

As an RV owner in Astoria OR, you know you need RV insurance to protect your valuable investment. You may not know, however, what kind of RV coverage to obtain. At Linda Dugan Insurance, we can guide you in making good RV insurance choices to suit your lifestyle. Here are a few tips for choosing the RV coverage you need.

Protection for Your RV

Whether you’ve taken out a loan for your RV or own it outright, you’ll want coverage to protect your investment. This is where collision, comprehensive, and uninsured motorist coverage comes into play.

Collision covers the cost of repairing your RV if it’s damaged in a crash. Comprehensive protects you against RV theft and covers damage caused by inclement weather, animal strikes, vandalism, and other non-collision events. Uninsured motorist protects you against uninsured and hit and run drivers.

Protection for Others

RV liability insurance covers damage to others in RV accidents that are your fault. It covers others’ medical injuries and property damage, so these funds don’t have to come from your own pocket. A serious RV accident could cause a lot of damage to others. That’s why it’s important not to skimp on liability coverage. Liability coverage is also the only type of RV insurance required by Oregon law.

Specialized Coverage

If you live in your RV year-round or travel extensively, you’re at greater risk of theft, damage, or loss. You may want extra coverage like:

  • Personal property & attachment to protect personal items in or attached to your RV
  • Vacation liability to cover accidents in or around your RV when you’re at a campground
  • Replacement cost coverage to cover the cost of replacing your RV if it’s totaled in a crash.

To purchase RV coverage in Astoria, OR, call or visit Linda Dugan Insurance today.

How to prepare your home for a flood

Everyone hopes that no storm will be so severe as to flood one’s home. However, hope is not a plan. Linda Dugan Insurance, serving Astoria, OR would like to give some helpful suggestions to at least mitigate the damage that a flood might cause.

You should check FEMA’s Flood Map Service Center to see how much at risk your neighborhood is for flooding.

You should be on the lookout for flooding threats, such as heavy storms, paying attention to media reports.

Check the elevation of your house from the street level. If you have the funds, consider elevating your home higher. Even an extra foot or two may make all the difference. Raise your electrical outlets higher from the floor. Apply sealants to parts of the house that might admit water, such as windows and doors. Make sure that your gutters and drains are clear of leaves and other obstructions so that water can flow through them freely.

Place all important documents in a waterproof container, and place the container in a secure part of the house.

If a flood is imminent, move valuables, especially electronics such as computers and televisions, to higher levels of the house. Unplug everything to avoid shorts and possible fire hazards. If floodwaters are about to enter the house, turn off the electricity at the breaker. Consider using sandbags to block the entry of floodwaters.

And, finally, make sure that your flood insurance is current. Remember, your regular home insurance does not cover damage from flooding. Flood damage can cost thousands of dollars to repair. 

For more answers to questions concerning flooding and flood insurance feel free to contact Linda Dugan Insurance, serving Astoria, OR.