Renovating a commercial business may require some changes to your commercial insurance policy. Review the renovation plans that you have prepared. Then, contact an agent who serves Astoria, OR to receive the insurance upgrades you have decided upon.

Planning the Renovation

Prepare plans that outline the location where upgrades will be made. Include measurements of each feature that will be installed on your land. Add details about the materials that will be used to complete the renovation project. Building materials, plumbing supplies, electrical equipment, and HVAC components should be added to your list of materials. All the upgraded items should be assessed when choosing modifications to your commercial insurance policy. Your commercial insurance policy should cover critical materials and equipment.

Commercial Vehicles

If commercial vehicles are used during renovation, you may need to add more coverage to your insurance policy. Once the renovation project begins, the threat of an accident will increase. Keep track of all the vehicles that will be used to transport materials needed for the project. Prepare plans that will allow you to safely use and park the vehicles throughout the project.

Commercial Machinery

Operating heavy-duty machinery during the renovation project could increase the risk of someone becoming injured on your property. Make sure that you have a safety plan in place that will minimize the risk of injury. All the machinery should be stored in a secure area that undesignated people cannot access. Each piece of mechanical equipment can be added to your commercial insurance policy.

Commercial Insurance Advice in Oregon

Schedule an insurance consultation before the commercial renovation process begins. One of our Linda Dugan Insurance representatives will advise you on commercial insurance products that will benefit you during the commercial renovation project.

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.

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.

If you are getting married, you likely have a lengthy to-do list. While insurance may not be at the top of the list, there will be insurance issues to address.

Any name changes will need to be made. Marriage may qualify you for lower car insurance rates, multi-vehicle discounts, and more. This is also an opportune time to discuss life insurance.

Linda Dugan Insurance Service is here to help explore your options in the Astoria, OR, area.

Why Now?

Getting married is not just a romantic event but a legal one. It is a binding agreement between people who now have responsibilities to each other.

Life insurance recognizes the financial responsibility you may have should one or the other pass prematurely.

Preparing for the Future

Life insurance helps set the foundation for a financial future, including children, a home, or even a business.

Whole-life or permanent insurance can also build value over time. This is equity that can be tapped into in case of a future emergency or opportunity.

Getting Life Insurance When Young and Healthy

One of the best times to secure life insurance is when you are young and healthy. This is when it is most affordable. Most young married couples can get large amounts of life insurance without a physical exam.

Get a Quote Today

If marriage is on the horizon, contact Linda Dugan Insurance Service of Astoria, OR. After answering just a few questions, we can provide you with a no-obligation life insurance quote.

Get the answers to your questions about life insurance and lay the foundation for your financial future. Get started on your life insurance program today.