While you may find yourself in the position of needing a number of different insurance policies while living in Astoria, Oregon, you may also want to consider umbrella insurance. While there are a number of different agents out there who can set up an affordable umbrella insurance policy for you, look local first at a place like Linda Dugan Insurance, who serves the great Astoria, OR area and offer competitive rates. Below is more information about umbrella insurance policies, so you can make the most informed decision before setting one up for yourself.

WHAT IS UMBRELLA INSURANCE?

In short, umbrella insurance is a policy which protects you beyond the existing insurance policies you already have. This means that you will have added protection to your home and auto insurance polices in the form of added insurance that fills gaps that they do not cover, This specifically pertains to lawsuits that may be filed against you due to injury from a car accident or a fall at your home or property. With this umbrella insurance policy, you are protected from a lot of legal costs and possibly future legal judgement against you.

HOW MUCH DOES IT COST?

For about $200 per month you can usually get around one million dollars of coverage, though it depends on who you are and what your history is. For another $100 per month, another million dollars of liability is usually granted, though it is usually on a case by case basis per person who is setting up their umbrella policy.

WHO NEEDS IT?

Anyone who is worried about having a lawsuit filed against them for an auto accident, a home accident or libel or slander, which umbrella insurance policies also cover. While it’s tough to predict the future, one can get a sense of if they are more vulnerable to these types of issues than not.

 

When you purchase a home you are required to also purchase homeowners insurance. This policy gives you the security to know that you will be taken care of if a disaster befalls your home. It will cover most damages that you wouldn’t be able to pay for out of pocket. All of our agents serving Astoria, OR through Linda Dugan Insurance work hard to make sure you have coverage for all your needs. One thing they often encounter is a customer base that may not realize that this blanket policy they purchase for their home may have add on and optional coverages that they should consider. We want you to have the best policy you can so we want you to know when you may not be getting what you think you are from homeowners insurance.

Did you know that flood insurance is usually an add on policy? In the event of a flood you may not be covered for damages unless you have elected to add flood coverage to your plan.

A flood can be devastating and can cause thousands of dollars in damage. In the blink of an eye your home could be filled with the rising waters leaving you with nothing you can do to stop it. Once the waters recede you are left with a mess to the physical structure of your home but also to your emotional state. Seeing the place you live and possibly raise a family being destroyed is devastating. Adding financial strife to this struggle would be utterly life changing.

Don’t be caught in this mess. Call our agents today and find out just what your policy covers. Find out if you have any gaps that need to be filled and we would be more than happy to help you build the perfect plan. Covering you the best we can is a job we love doing.

 

There is some information you should have available when you decide to update your insurance. Whether you are updating your auto insurance, homeowners, or anything else, having the details in front of you can simplify everything. Plus, it can ensure that you have all of the necessary coverage in Astoria, OR.

Current Policy Numbers

Have all of your policy numbers in front of you. This includes homeowners, auto, and any other insurance that you need to update. This will make it easier for an agent to find your policies in the system.

VIN and Other Auto Details

When you are updating auto insurance, it is important to have the VIN in front of you. Having various safety features that you have installed handy can also help, particularly to see if you qualify for any discounts.

Coverage Levels

Depending upon your current level of coverage, you may want to increase coverage in certain areas on homeowners insurance, auto insurance, or elsewhere. For example, if you recently installed a pool on your home or you were involved in an auto accident, it may be necessary to update your policy so that you have additional coverage moving forward. Talking with an agent can help you determine what level of coverage you need, and they can make recommendations to you.

Budget

Having your budget at your side when you are updating insurance is always a good idea. If for any reason, the policy goes up, can help you to decide whether you want to shop around for a new policy from a different insurance company.

Call Linda Dugan Insurance today and one of our insurance agents can help you with all of your necessary updates. We can get quotes on all of the different insurance policies that you need in Oregon.

 

 

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Is it important to have renters insurance coverage? This is a common question asked by many of our clients—and our answer at Linda Dugan Insurance is always a resounding yes! Here are two common reasons why renters insurance is vital if you rent where you live.

Renters Insurance Covers Your Personal Property

One of the most common reasons why tenants need renters insurance is to cover their personal property. This means that if a fire, theft, weather event, or other covered claim situation happens, they would have the ability to replace each damaged item accordingly without having to pay out an exorbitant sum out of pocket.

Looking at the facts, it is important to remember that landlords are not responsible for taking care of renter’s personal belongings in the event of an incident. By having a policy in force ahead of time, you can rest assured that you have the means to replace the items if something unexpected occurs.

Renters Insurance Helps Protect You Against Liability Claims

We’ve all heard of stories about people sued because a delivery person slipped and fell on a wet floor or a would-be robber tripped on some stairs and broke an ankle. While some of these stories may seem a bit extreme, they do happen.­

Most basic renters insurance policies have a special section of coverage called liability. This portion of the policy contract helps pays for claims like the ones mentioned, plus any other time someone is injured while visiting your home or as a direct result of your actions. Other examples of liability claims include your child damaging a neighbor’s property with a toy or even your normally docile dog biting someone at a local park. Failure to have liability coverage in place could mean you are responsible for damage and medical bills of others—plus, you could be sued.

As you can tell, these two reasons make having renters insurance quite important. For more information about renters insurance or to receive a no-obligation quote, please contact us today.

you have a business in the Astoria, Oregon area, we have some questions for you.

If you could find better commercial coverage for your business, why wouldn’t you?

If you could find this better commercial coverage at the same price you are currently paying, why wouldn’t you?

If quotes were available for the same coverage that could actually save you money, why wouldn’t you want to know about them?

If you could get competitive commercial insurance from a local company that is here to answers your questions, that can help with claims, and help our local economy at the same time, why wouldn’t you?

If you could easily get a comparative quote for your auto and homeowners insurance right online, why wouldn’t you?

If an insurance review that is free and puts you under no obligation could provide you better peace of mind in knowing where and how you are covered, why wouldn’t you take advantage of it?

These are the questions our agents ask every day at Linda Dugan Insurance. These are questions that help people realize we can save them money, improve their coverage, and sometimes accomplish both. We can help them better understand where the risks currently are, and we do it without cost or obligation. We search a data base of insurance providers to find coverage that is affordable without sacrificing coverage. Many of our clients start with just one policy. Soon, we are helping them save on all of their insurance coverage.

So let us ask you one more question. With the ability to review your insurance coverage, potentially save you money and perhaps even improve your coverage just a click away, why wouldn’t you take the opportunity?

Contact us at Linda Dugan Insurance. After all, why wouldn’t you?

“She flies with her own wings,” the motto for the state of Oregon remains true to this day. There are many instances where the state of Oregon acts alone and sets an example for other states. One such example is the decision to acknowledge same-sex marriage in insurance. With both the Supreme Court and the Oregon District court upholding the validity of same-sex marriage, insurance companies must treat same-sex marriages as they would heterosexual marriages. This means same-sex partners can be covered by insurance, and they have the right to file claims for insurance.

How to File Insurance Claims
The process to file an insurance claim, whether commercial insurance or consumer insurance or concerning heterosexual or same-sex marriages, the process is the same. You can contact your local office if you are involved in a traffic accident, or you can call the customer service number, which is generally operational 24-hours each day. When you call, it is critical to have important documents and information handy that pertains to the accident. For instance, have your account number, your coverage levels, and the information concerning the accident.

Having Difficulties Filing a Claim?
There are times when some claims will not be processed as quickly as other claims. Delays in processing claims can stem from concerns about the validity of the claim, or more information may be needed for the claim. If you are filing a claim, and you are denied as a result of your same-sex marriage status, you do have options. After working with the insurance company, with no luck, you have the option of contacting the Oregon Insurance Commission to file a complaint.

Whether you have concerns about business insurance or consumer insurance in Oregon, our local agents can help you with your questions. Give us a call when you are interested in getting a quote for auto, commercial, or any other type of insurance.

Businesses in Oregon are not easy to run, especially when you are running an apartment complex and are responsible for tenants. You may know what to do to make your building attractive to potential renters, but do you know how to limit your liability exposure? Here are three tips:

Change Your Rental Agreements

As an apartment building owner, you have rental agreements between yourself and your tenants. In these agreements, it is important that you require your tenants to obtain and maintain their own liability coverage. Make sure that you require that they submit proof of insurance at the time of lease renewal, or every year. This helps to ensure that you are reimbursed for any damage that your tenants cause.

Add Indemnity Agreements and Waiver Clauses

Have your lawyer help you create a waiver of subrogation clause and an indemnity agreement to also include with the rental agreement for prospective tenants to sign and agree to. These will help you transfer any possible liability of injuries or damages to the tenant. These agreements will also help protect you from being named in a lawsuit for compensation for claims that are brought against the tenant.

Inspect the Buildings for Problems

Inspect all apartment buildings for any sign of a potential problem. This could be lighting issues, cracks in the sidewalk, items that someone could trip over, etc. If there is anything around that could cause injury to a child or an adult, it is crucial to have it repaired immediately.

Although you could do this on your own, it is always better to hire a professional who knows what he or she is doing and looking for. It may cost some money upfront for all this, but it will be a lot less than if you were found to be negligent in the future.

If you do not currently have liability insurance for your apartment complex or small business, then it’s time you sat down and talked with one of our independent commercial insurance agents in Oregon. You can get started with the above-mentioned tips, and then give us a call to finish up!

Operating a towing company in a city full of maritime attractions can be a lucrative endeavor. With so many attractions, such as the Columbia River Maritime Museum, there are plenty of opportunities to make money because people will likely park where they shouldn’t. Even though you are safe and do your job as you supposed to, there is always a possibility for liability damage, which is why your business needs Garagekeeper insurance.

What Is Garagekeeper insurance?

Garagekeeper insurance is liability insurance for businesses that house cars, such as towing companies. Since cars can be damaged during the process of towing them, purchasing Garagekeeper insurance will help you cover the cost if you are found liable. With the policy, you choose the limits you want to have for your business, which applies to each car. You will also be responsible for a deductible for each car. Like auto insurance, you can get Garagekeeper deductibles for as low as $500 per car.

Types of Coverage

Garagekeeper insurance can get confusing when you breakdown the coverage, but it is important to ensure that you have the right protection when you choose a policy. Consider the three types of Garagekeeper insurance before you make a purchase with your local agentsAstoria, Oregon 97103.

• Legal liability. Coverage resulting from negligence of the insured. This covers losses that happen while the car in in your position.
• Direct Primary. This covers the car regardless of who is liable, which is useful for weather related losses.
• Direct Excess. This coverage is the same as direct primary, but it limits the amount it pays if your business isn’t at fault.

When you call to get commercial insurance quotes, it is essential that you inquire about all forms of coverage so that Astoria agents can provide you with information about which coverage will work best for your business.

If you are unaware of Garagekeeper insurance, but you tow cars for a living, then you should contact your local insurance agent to get more information. Failing to add this type of coverage to your insurance portfolio will leave your business susceptible to litigation from customers.