Month: July 2024

How Does Flood Insurance Differ From Home Insurance?

Posted on by AgentInsure

Securing your home with the right insurance is critical. At Linda Dugan Insurance in Astoria, OR, we frequently clarify the distinctions between our clients’ flood insurance and home insurance. Here are some key points for your understanding.

The Basics of Home Insurance

Home insurance covers various property damages, including theft, fire, windstorms, and more. It usually includes liability coverage, protecting you if someone gets injured on your property. However, standard home insurance policies do not cover flood damage despite its comprehensive coverage.

Understanding Flood Insurance

Flood insurance is a distinct policy specifically designed to shield your home from flood-related damages. It covers incidents like heavy rainfall, storm surges, and overflowing rivers. Please note that flood insurance is typically provided through the National Flood Insurance Program (NFIP) and must be purchased separately from your home insurance policy.

Why You Need Both

Given Astoria, OR’s climatic conditions and proximity to water bodies, it is critical to have both home and flood insurance. Flooding can significantly damage your home’s structure and personal belongings. Without flood insurance, you would be responsible for all out-of-pocket repair and replacement costs, posing a potential financial disaster.

What Each Policy Covers

Home insurance covers damages to your home and personal property resulting from covered perils and offers liability protection. On the contrary, flood insurance covers direct physical losses caused by flooding. This coverage includes the damage to the building, its foundation, electrical and plumbing systems, appliances, and personal belongings.

At Linda Dugan Insurance in Astoria, OR, we are dedicated to helping you understand your insurance needs. Contact us today to ensure your home is fully protected with both home and flood insurance.

Protect Every Trip with RV Insurance

Posted on by AgentInsure

Few things are as exciting as preparing the RV for an adventure. The Home on Wheels, a marvel of technology and automotive design, is a favorite getaway for many families and individuals. The freedom to travel anywhere while having all the comforts of home at your disposal is an unmatched experience only an RV offers. However, protecting this investment is critical; in this regard, RV insurance is extremely instrumental. This is why many people around the Astoria, OR area trust the Linda Dugan Insurance team for their RV insurance needs.

RV Insurance for Every Trip and Every Mile

No one wants a problem with their RV to derail, delay, or worse, cancel their adventure. Fortunately, with the help of RV insurance, many expenses associated with these inconveniences and repairs can be mitigated. More importantly, it reduces the chances of your trip being interrupted.

RV insurance provides coverage for everything from repairs and roadside assistance to accident protection. There are countless reasons why having RV insurance is wise, and it can safeguard your ensuing RV adventure in numerous ways. Hence, before hitting the road and packing the children, the dog, and the maps, ensure that the right RV insurance covers you and your RV.

For All Your RV Insurance Needs

If you’re an Astoria, OR area resident who needs RV insurance or has any questions, our experienced and friendly team at Linda Dugan Insurance is here to help. Contact us today to learn more and schedule an appointment to get the coverage your RV needs for your next trip.