Author: AgentInsure

Auto Insurance Coverage Options in Kelso, WA

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Protecting a vehicle in Kelso, WA requires an insurance policy that is appropriate for your concerns, budget and goals. Since every individual and family has a different goal and requirement, the auto insurance that is best can vary.

Meeting State Standards

Auto insurance is mandatory in Washington and the amount of coverage that is required relates to liability concerns. The state requires that every driver have coverage for property damage and injuries that may occur as a result of an accident.

Since the minimum standards focus on liability risks, it may not always be enough to address personal concerns regarding coverage. A variety of options are available for additional concerns that may not be provided in the basic liability policy.

Collision and Comprehensive

Generally, collision coverage is added to a policy separately. You may or may not need collision coverage, depending on your goals, concerns and the vehicle that you are driving.

Comprehensive coverage does not always include collision protection; instead, it usually protects against damages to a personal vehicle in a covered situation. The situations that are covered may include floods, damage from a storm or fires. It can also protect against criminal activities, such as theft or vandalism.

When personal concerns relate to liability risks, it is also possible to add to the basic coverage. State standards are a minimum requirement, but you can purchase additional liability coverage to protect against high-cost bills and concerns related to accidents that you may cause.

There are several different options available to cover your vehicle and avoid potential concerns that may arise. Recognizing the options that are available can make it easier to select a plan that is appropriate. To learn more about your policy options, contact us to talk to an agent today.

What is Covered by Home Insurance in Longview, WA

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Working with a home insurance company to find the best rates and coverage for your property can be a good choice, but when you are not sure about your options and coverage, it can also be confusing. Before you buy a new policy, it is important to pay attention to the coverage so that you can get the best option for your needs.

Common Risks

Generally, homeowners insurance will cover against the most common risks that are associated with any particular property. For example, homeowner’s policies will usually cover against fires, theft or certain natural disasters like a hail storm.

The common risks that are covered can vary based on the policy, but you should have coverage for most situations that can arise. Keep in mind that some policies will not cover against floods or earthquakes, so you may need to purchase additional coverage for those potential concerns.

Personal Belongings

Coverage for personal belongings can vary based on the situation and the type of policy that you purchased. Some plans will cover the full cost of your personal belongings or the replacement value of the item as long as the total does not exceed the limit. Usually, the limit is around 50 to 70 percent of the total limit.

Although some plans will pay for the full replacement value, other policies may pay for the market value of the item. The market value is the cost of the item after subtracting depreciation rates.

There are a variety of items that are covered under a homeowner’s plan, but the basic coverage will usually protect against perils and the loss of property when the problem is beyond your personal control. To learn more about protecting your assets, contact us to talk to an agent today.

Linda Dugan Insurance Agency in Longview, WA

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Insurance is a necessity, not a luxury. Having the proper insurance can protect you and your family members if something goes wrong with your home, your car, your apartment, or your other vehicle. Yet shopping for insurance can be difficult, because there are so many options.

Sometimes, insurance agencies will try to convince you to buy more coverage than you really need so that you give them more of your money. This is an unscrupulous and unfair practice that works because many homeowner’s or drivers don’t know what level of insurance they really need.

As independent insurance agents, the team at Linda Dugan Insurance Agency places a high value on providing the best level of customer service. We seek quotes from many different insurers before matching you with the best insurance coverage at the right price. We work with our customers to provide the right amount and type of insurance in a professional manner. Our agents are happy to explain terms, coverage levels, and exceptions to you so that you really understand what you are purchasing.

We offer an online price quote form that allows you to receive a detailed quote for homeowner’s, auto, or a bundled homeowner’s and auto insurance package. Complete the online form by selecting the type of insurance and your zip code. Then, receive several quotes and compare them to determine what level of coverage meets your needs. Our insurance agents can provide additional information if you need it.

At Linda Dugan Insurance Agency, we offer many different options of home owner’s and automobile insurance in the Longview, WA area. We can quickly and easily provide you with an insurance quote for any of our services. Contact us today to get the coverage you need at a competitive rate.

Types of Commercial Insurance Available in Astoria, OR

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Ensuring that your business is safe and protected can mean that you will need to purchase a commercial insurance policy. Depending on the type of company that you own and your personal goals, the Oregon commercial insurance that is most appropriate for your goals can vary.

Worker’s Compensation

Whenever you have employees, it is important to protect against potential injuries and accidents that can take place. Accidents that may occur at work are usually covered by a worker’s compensation policy. The coverage focuses on the risks associated with your employees and the type of work that is performed, so the cost of coverage can vary.

Property Coverage

As a business owner, you will need to take steps to protect any company assets. That means you will need to obtain coverage for property that is owned by the business.

The amount of coverage and the type of plan can depend on how you use the property and how much it is worth. Generally, you want to protect against liability risks, damage to the property from common situations and potential concerns related to theft.

Liability Protection

Small businesses can benefit from a liability policy that focuses on the type of company that you own. For example, professional liability may be appropriate if you are offering a professional service. On the other hand, general liability may be better if you want to protect against the majority of situations that may arise. You may also want product liability in case a product is defective or injures a customer.

There are a variety of insurance options to protect your business from common threats and concerns that may arise. Recognizing your options can help you find the plan that is best for your particular goals. Contact us to talk to an agent for more details.

Homeowners Insurance Rates in Oregon

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As a homeowner, it is your responsibility to ensure that your property and belongings are protected. The challenge is finding the homeowners insurance rates that are appropriate for your budget and still provide the coverage that you want. Understanding the policy options and the ways to reduce your rates can help when you want to protect your home.

Factors Impacting Rates

Your rates for a homeowner’s policy can be impacted by a variety of factors. Your personal credit history and any claims on a policy that you have made in the past can impact your rates. If you have never made a claim and have an excellent credit rating, then your rates will usually be reasonable.

Along with personal data, the amount of coverage that you are purchasing and the risks associated with the property are also considered. For example, if you have a pool, then your rates may be higher than a house without a pool due to the higher risk of injuries.

Getting Discounted Rates

Discounts that are available to reduce your homeowners insurance rates can vary based on the situation. Generally, discounted rates are available if you put in a security system or take measures to reduce the risk of theft on your property.

Other discounts that may be available can vary. Insurance providers can offer a variety of discounts and special promotions, so you can get the best rates when you ask about current promotions or discounts that may apply to your property.

It is important to protect your house from potential concerns that may arise. By obtaining a policy that has a reasonable rate, you can avoid unnecessary expenses and enjoy your property without worrying about the risks. To learn more about protecting your house from potential concerns, contact us to talk to an agent.