Insurance

Legal Costs Covered Under an Umbrella Insurance Policy

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An essential benefit of an umbrella insurance policy is that it provides additional compensation for legal costs. This extra coverage can protect you from financial disaster if you or your business are sued for a substantial sum of money. However, it’s important for policyholders in Astoria, OR, to understand that even umbrella coverage has its limits. Knowing which legal costs are and aren’t covered under an umbrella insurance policy can help you make informed legal and financial decisions.

Legal Expenses: What’s Covered and What’s Not?

The amount of compensation you receive will vary depending on your chosen policy and the deductible you set when you take out the policy. Generally, an umbrella insurance policy covers the cost of hiring a lawyer and paying a settlement and/or judgment up to the policy limit.

Umbrella insurance will also pay for property damage, medical bills, and funeral costs related to the incident that led to the lawsuit. However, it only covers these costs for third parties, not you or your family members. It won’t cover incidents related to intentional or criminal acts or lawsuits related to a breach of contract.

Need an Umbrella Policy? Linda Dugan Insurance Can Help

Linda Dugan Insurance serves homeowners and business owners in the Astoria, OR area. Our team has many years of experience helping individuals and companies get the best coverage at the best price, and we look forward to working with you to help you pick the best umbrella insurance policy for your personal situation. Contact us to find out more or get quotes on specific policies.

Life Insurance: Because We Never Stop Caring

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Life insurance is unique for many reasons, such as offering the option to borrow against policies that hold cash value (e.g., whole, universal, etc.). It also inevitably leads to thoughts of our last days and the real reason we get life insurance—to support those we love and care about. These are also a few reasons why people in the Astoria, OR, area turn to the experienced and professional team at Linda Dugan Insurance for all their questions and concerns about life insurance.

Life Insurance: A Testament to Our Care

Yes, some policies provide the ability to borrow against them. Yes, life insurance is the most common way people handle end-of-life expenses. Yet, the real benefits of all life insurance policies are not realized until we breathe our last. That also means that the reality of it is that life insurance is less about us and more about them.

Life insurance helps with burial and funeral expenses. It can help cover any remaining debts or obligations we leave behind. However, it isn’t like any of these issues will concern us once we pass, but it will have an impact on those who care about us. With life insurance, we can remove the stress and financial burdens that can come when someone passes away and even leave something for them too. Yes, life insurance is unique in many ways, but most of all, it is unique because it isn’t about you.

Life Insurance Solutions in Astoria, OR

We can assist if you live in the Astoria, OR area and have questions or want to learn more about life insurance. Contact us to learn more and schedule an appointment with our friendly and professional team at Linda Dugan Insurance today for all your life insurance needs.

Does Commercial Auto Insurance Cover Items Transported in Company Vehicles?

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Commercial auto insurance can offer a great deal of protection if one of your company’s vehicles is involved in an accident. However, even a comprehensive insurance policy won’t cover any items you’re transporting in your vehicle. If you regularly transport items as part of your line of work, you’ll want to get inland marine insurance coverage to ensure these items are fully covered. There are multiple policy types to pick from, allowing Astoria, OR business owners to find the best coverage for their company.

Contractor’s Equipment Insurance

This type of insurance is for any contractor who transports valuable tools, equipment, and machinery to and from job sites. It can cover loss, damage, and theft while items are in transit and at a job site.

Bailee Insurance

Bailee insurance is designed for service companies transporting valuable customer property from one location to another. It can provide coverage if a customer’s property is lost, damaged, or stolen while in transit. Firms that may want to consider bailee insurance include dry cleaners, movers, and computer repair services.

Insurance for Valuable Items

Museums, art dealers, and collectors who are transporting valuable artwork or exhibits may want to purchase exhibition and fine art coverage before moving valuable items. Jewelers who need to transport precious metals, jewels, and jewelry to and from storage or who deliver items to customers should purchase jewelry block insurance.

Contact Linda Dugan Insurance for More Information

Linda Dugan Insurance offers a range of commercial insurance policies for Astoria, OR business owners in all industries. Our team can also provide expert advice to help you pick the policy that best meets your needs. Call us today for more information or to get price quotes.

Update Your Boat Insurance Before Spring Arrives

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Boats provide immense enjoyment but require proper care to ensure longevity. This care includes regular maintenance and the right insurance for ongoing protection. If you’re in the Astoria, OR area and need to update your boat insurance, Linda Dugan Insurance can help you do so before spring arrives, preparing you for your next adventure.

Updates Enhance Boating Security

Updating your boat insurance enhances security for you, your passengers, and others on the water. Whether you’ve purchased a new boat, made upgrades, or simply haven’t reviewed your policy in a while, winter is an excellent time to discuss your policy with an agent.

Insurance Safeguards You and Others

Protecting yourself and others increases your peace of mind and allows you to enjoy your boating experiences fully. You shouldn’t have to worry about whether you’re adequately covered, and with our dedicated agents, you won’t have to.

Experience Peace of Mind on the Water

Contact us at Linda Dugan Insurance today if you’re in the Astoria, OR area and need to update your boat insurance. Spring will be here before you know it, and the best time to prepare is before that first warm, sunny day. Our agents are here to protect your boat properly, allowing you to focus on the beauty of boating in the Pacific Northwest.

From Collectors to High-Priced Toys Toy Insurance is a Smart Play

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Whether it’s off-road vehicles, motorcycles, or cherished collector’s items, we all have our beloved toys. These items often hold significant value or nostalgia, prompting a desire to protect them. That’s why many people in and around Astoria, OR, trust the professional team at Linda Dugan Insurance for toy insurance solutions to safeguard their prized possessions.

Toy Insurance: A Wise Choice for Many

We all love our toys, but sometimes accidents happen. Whether it’s damage from rough play or a total loss due to fire or theft, toy insurance can help. It can assist with repair costs, compensate for lost value, and even potentially replace irreplaceable items. Toy insurance is a wise choice for many, especially for those with more valuable items. It’s part of the responsibility that comes with owning, maintaining, and protecting your toys.

Toy Insurance Solutions for Astoria, OR

If you have a valuable toy collection or high-end toys, toy insurance could be the solution for you. Contact Linda Dugan Insurance to learn more and schedule an appointment. Protect the toys you care about today.

Protecting Financial Assets With Umbrella Insurance in Astoria’s High-Risk Zones

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Living in a high-risk zone, such as Astoria, OR, makes you much more prone to floods, storms, and even devastating landslides. While Astoria, Oregon has plenty to offer with its rich history and coastal views, protecting your financial assets, including homes and business investments, is essential. If you’re looking for a way to add more protection to your assets while living in or near Astoria, Linda Dugan Insurance can help you find the right umbrella insurance policy that’s right for you.

Why Umbrella Insurance is Recommended in Astoria, Oregon

Anytime you’re living or running a business in Astoria, Oregon, it’s recommended to obtain an umbrella insurance policy for several reasons, including:

  • Weather-Related Damage or Losses: Because Astoria is located on the coast, it’s much more vulnerable to flooding and strong winds, which can result in weather-related damage to homes and businesses.
  • Extended Coverage: An umbrella insurance policy can protect against higher-than-average liability costs that may involve damage to your neighbor’s property or body.
  • Security and Peace of Mind: Whether your home in Astoria is your first or second home, umbrella insurance provides peace of mind while preventing you from suffering from out-of-pocket financial losses when an accident or injury to a guest occurs.

Whether you’re a resident of Astoria, OR, or you own a business in the region, obtaining adequate insurance coverage for your assets and insurance is imperative to protect against high-risk issues, such as flooding and other natural disasters. At Linda Dugan Insurance, we can help you find an umbrella insurance plan that helps mitigate risks and financial losses, whether you’ve just purchased a home in Astoria or you’re investing in a brand-new business in the area. To learn more about umbrella insurance policies that are optimal for you, contact Linda Dugan Insurance for your quote today.

The Difference Between HMOs and PPOs: A Simple Explanation

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Choosing the right health insurance plan is crucial, and understanding your options is key. At Linda Dugan Insurance in Astoria, OR, we understand that navigating these choices can be overwhelming. That’s why we’re here to simplify the differences between Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) for you.

Understanding HMOs

Health Maintenance Organizations (HMOs) are designed to provide comprehensive care within a specific network of doctors and hospitals. With an HMO, you’ll need to select a primary care physician (PCP) who coordinates your care and provides referrals to specialists within the network. This structure often results in lower premiums and out-of-pocket costs. However, it’s important to note that if you seek care outside the network, you may have to cover the full cost yourself.

Exploring PPOs

Preferred Provider Organizations (PPOs) offer more flexibility when selecting healthcare providers. With a PPO, you don’t need a referral to see a specialist, and you have the option to visit out-of-network doctors. While this flexibility is appealing, it usually comes with higher premiums and out-of-pocket expenses compared to HMOs. The trade-off is the ability to tailor your healthcare choices to suit your needs better.

Making the Right Choice

Deciding between an HMO and a PPO depends on your healthcare priorities. If keeping costs low and having a coordinated care approach are your main concerns, an HMO might be the right fit. A PPO could be more suitable if you value flexibility and the freedom to choose your providers.

When You’re in the Market For New Health Insurance, Give Us a Call

At Linda Dugan Insurance in Astoria, OR, we’re committed to helping you find the best health insurance plan for your unique needs. Contact us today to explore your options and make an informed decision.

Protect Your Business During the Renovation Process

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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.

Protect Every Trip with RV Insurance

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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.

How Does Flood Insurance Differ From Home Insurance?

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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.