Life is unpredictable, and that can be a good or bad thing. Sometimes, those unexpected occurrences are an absolute joy; sometimes, they feel more like a nightmare. The fact that we know life is unpredictable, however, actually makes it easier to prepare for the unforeseen, unplanned, and unexpected. Those are also a few reasons why people from the Astoria, OR area turn to the team they can rely on at Linda Dugan Insurance. When life surprises us, we don’t have to be unprepared with health insurance solutions that work.

Why Health Insurance? Because Your Health is Too Important to Risk

The old saying goes, "At least you have your health." As simple as that statement is, it is also profoundly true and arguably the most important reason to have health insurance. In addition to the support the right health insurance can provide for everything from medications, bills, and even lost wages, health insurance can cover the gaps if you get sick or hurt. So, at least you have your health, and that is obviously worth protecting.

Health Insurance Solutions in Astoria

Do you live in or around the beautiful Astoria, OR area? Are you in the market for health insurance, or would you like to learn more about how health insurance can help you? Then, our professional and friendly team at the Linda Dugan Insurance Agency can help with all your insurance questions and needs. Don’t let life catch you unprepared, and plan for the unexpected with the right health insurance for your life. Contact us to learn more and schedule an appointment for the insurance you need and deserve today and for when life’s not-so-pleasant surprises arise.

If you’re considering adding an umbrella insurance policy to your existing home or commercial insurance, it’s important to know how much coverage to get and which assets need protection. The assets most commonly covered are listed below.

Real Estate

Your land, residential, and commercial properties can be seized and sold to settle costs if you’re found liable. When establishing your umbrella insurance coverage, your primary consideration should be to consider these properties’ current and potential value. This ensures you have enough coverage to handle such expenses.

Bank Accounts

Next in line are your banking assets — both checking and savings accounts. The funds in these accounts may be frozen and used to pay liabilities. Depending on the aggregate sum across these accounts, you’d want your policy to cover this amount. It’s advisable to add an extra 20% for insurance, considering you might need this policy in the future when there might be more money in these accounts.

Vehicles

Vehicles, including classic cars, daily commuters, and luxury automobiles, are also viewed as valuable assets. They can be sold to settle debts. Depending on the value of these vehicles, ensure you accommodate this amount in your policy to avoid the risk of losing the assets you’ve painstakingly acquired over time.

Whether you’re a homeowner, business owner, or both in the Astoria, OR area, consult a professional to get an accurate estimate of the umbrella insurance you need. Get your policy quoted without delay. Reach out to our team at Linda Dugan Insurance today for more information and to initiate ultimate insurance protection.