Month: October 2015

Don’t Lose the Money You Make from a Garage Sale

Posted on by AgentInsure

If you’re looking to make some extra cash, having a garage sale is an excellent idea. You don’t want to lose all the money you make from a garage sale in a liability lawsuit, though. If you’re thinking about holding a sale in Astoria, OR, let us at Linda Dugan Insurance help you check your liability coverage before the weekend of your sale.

Maximize Your Earnings

One of the main reasons to have a garage sell is to sell things — and get money. There is an art to successfully selling items at a garage sale, though. To maximize your earnings, you can:

  • clean items before placing them out for sale
  • price items reasonably at ¼ to ⅓ of their original price
  • combine your sale with neighbors’ sales to attract more people
  • let people know you’re willing to negotiate on the last day of the sale

In general, success at a garage sale doesn’t come from selling a few items at prices that are just slightly lower than their initial values. Instead, it comes from presenting items well, attracting people and pricing items low so that they sell.

Check Your Liability Coverage

Accidents at garage sales are rare, but they happen occasionally. If someone is hurt at your garage sale, you might be held financially responsible.

Liability coverage, which is included in most homeowners insurance policies, provides homeowners with protection against covered incidents. If you have adequate liability coverage, and the accident is covered by its terms and conditions, your homeowners insurance policy might protect you from any lawsuits filed over the accident. This is the best way to protect yourself and your garage sale earnings from such a risk.

For help checking your liability coverage, contact us through our website. Even if you didn’t purchase your policy through us, our agents would be happy to review your coverage with you.

 

Car Care In The Fall You Need To Take Care Of

Posted on by AgentInsure

It is important that you take care of your car in the fall. There are several things that you will want to do to ensure it is capable of driving through the road conditions that are inevitable in your area of Oregon. By caring for your car in the fall, you can prepare for the winter more effectively.

Schedule a time to go into your local mechanic and talk about ways to improve performance during the winter months. This will likely include:

  • Checking the condition of your battery
  • Inspecting tire tread on all four tires
  • Testing the HVAC system
  • Have your brakes checked

All of these are important because you want to make sure that your car is prepared for the snow, ice, and other road conditions that are going to occur throughout the winter.

This is also a great time to remember to replace several things in your car. Take the time to replace your wiper blades so that they can clear the windshield effectively. You will also want to replace the cabin air filter so that you are more comfortable as you drive around.

Depending upon how much driving you are going to do in the winter, you may also want to think about placing winter tires on your car because they are designed to grip the roads better. Talk to your mechanic and find out what recommendations they have to care for your car this fall so you can have greater peace of mind.

At Linda Dugan Insurance, we look forward to helping you find an auto insurance policy that will protect you in Astoria throughout the fall months as well as the rest of the year. Call us now and let us find coverage that is affordable.