In the same way that an umbrella protects you from rainy weather, an umbrella insurance policy protects your finances for all the storms of life. An umbrella policy provides liability protection above the basic limits of your home and auto policy. Accidents happen and these days the resulting litigation can result in huge settlements and expenses. In Astoria, OR, Linda Dugan Insurance has experienced agents who can help you to decide if you need to carry umbrella insurance. 

Umbrella insurance known as excess liability insurance adds an additional layer of liability insurance.  If your assets are more than just basic this may be important protection that you need. Your home is most likely the largest investment that you will ever make. Normal limits of home insurance liability are pretty basic and can give you a false impression of security.

When someone is injured while visiting your home or in of an automobile accident where you are at fault, they can sue you for damages. Basic liability coverage could leave your assets in jeopardy.  An umbrella policy raises liability limits to a more financially acceptable amount.

If a case is filed against you, your umbrella insurance will offer assistance with legal costs which these days can be very high. Things such as a pet or a pool raise your risk level.  An umbrella policy can help to protect the assets that you have worked so hard to accumulate and also the future assets that you may accumulate. You will be able to sleep better at night knowing that you have secured your future. 

If you live in or near Astoria, OR why not stop by the office of Linda Dugan Insurance or give us a call. We have agents who are knowledgeable in umbrella insurance coverage and will be happy to discuss this with you.

If you live in the oldest city in Oregon, you know that Astoria, OR is the best place to live. You can see cruise ships on the Columbia River and sea lions sunbathing on the Port of Astoria. 

Even if you live in paradise, you need to have the right healthcare coverage. If you already have a policy from Linda Dugan Insurance, you already got to compare the different benefits you can get with different policies. Unfortunately, you may have realized that you don’t have the kind of coverage you need for dental or vision needs.

Two Ways To Get Dental Coverage

There is an open market now for healthcare insurance, but there are still many rules and procedures which must be followed. When it comes to dental coverage, there are basically two ways to purchase a policy:

1. You can purchase a standalone policy which just takes care of your dental needs.
2. You can purchase a health insurance policy with dental coverage either included or as an additional benefit which can be added on.

The main problem is that if you already have health insurance, there are only certain times you can add on this extra protection.

Open Enrollment

Many people are familiar with open enrollment because of jobs which had open enrollment for healthcare toward the end of the year, usually from around the beginning of November to the middle of December. Even marketplace insurance has this same restriction, and you will probably have to wait for your open enrollment in Astoria, OR before you can obtain a dental policy.

Healthcare coverage is one of the most important decisions you make for yourself and your family. If you are just beginning your search, or if you just have questions about your current coverage, call Linda Dugan Insurance today.