Having life insurance in place is an excellent way to give yourself peace of mind about what will happen to your loved ones once you are gone. A life insurance policy pays a death benefit to your beneficiaries after you’re gone so that they are in a better financial position. Two main types of these are available in the insurance marketplace. You need to know about each to choose when you get your policy. Call us at Linda Dugan Insurance in Astoria, OR to find out more.

Term Life Insurance

This type of life insurance is the least expensive of the main types and fits into more people’s budgets. It is insurance that is only good for a specific term of time. This may be 20 years or so. During this term, the policy is good and will pay out if you die at that time. However, it will expire at the end of the term, and you will have to find a new insurance policy at that point if you still want to be covered by life insurance. 

Whole Life Insurance

This type of insurance is more expensive but has some essential benefits. It isn’t good only for a specific term. Instead, it stays good for your entire life even if you become quite advanced in age. This type of insurance also has a cash value that many people appreciate having available. It’s an amount that you can borrow if you ever have a financial need for it. It is paid back just as any other type of loan would be. 

Protect Your Family With Life Insurance

To get a life insurance policy of either type, you can call us at Linda Dugan Insurance in Astoria, OR.

States mandate their own insurance laws for required coverage. In Oregon, boat insurance isn’t required, but it’s recommended that all boaters have boat insurance to protect themselves. Boats are an expensive investment, and you must also protect them. If you’re in Oregon and have a boat that isn’t insured, call us at Linda Dugan Insurance in Astoria, OR to find out more and get started. 

Accidents While Boating

When you have your boat on the water, it’s possible for it to get into a collision. When this happens, and you are at fault, you will be held responsible for all the damage caused by the accident. This can be highly expensive, and it can be challenging for many people to come up with. To prevent an accident from ruining you financially, there is boat insurance. This coverage can protect you against your liability when you cause an accident. With this coverage, you can go boating with better peace of mind. 

Other Boat Insurance Coverage

In addition to liability coverage for your boat, there are other types of boat coverage that you can use to protect yourself against several expenses. If you get comprehensive boat insurance, this protects your boat against other accidents and events that can happen when it isn’t on the water. Another coverage type is property damage coverage, which will pay for lost items due to an accident. If you have bodily injury liability, it will pay the medical bills for other parties who get into an accident with you. 

Get Boat Coverage

When you own a boat, getting boat insurance is the smart choice. Call us at Linda Dugan Insurance in Astoria, OR when you have a boat and need insurance coverage.

If you’re thinking about buying a used RV around Astoria, OR, it can be a lot to take in. There are a lot of different styles, sizes, features, and price ranges to consider. This can be overwhelming if you don’t know what to look for. We at Linda Dugan Insurance present this article to help you understand the different types of used RVs, their features, and their price ranges.

Know what you want before you start looking.

Taking the time to figure out what RV fits your needs will help you narrow your search and ensure you get precisely what you want. What is your budget? What features are a must, and what are you willing to live without? What size are you comfortable driving? All of these are important questions to ask yourself.

Research and shop around.

Online sites like Craigslist and eBay can be great resources for researching what types of used RVs are available in your area and give you a general idea of what you can expect to pay for. You can also score good deals on RVing forums. Also, check local dealers, who may offer some good discounts on used RVs they want to move.

While you are looking online, research the models you are interested in. Check-in with the owners and find out why they are selling. Sellers who might not be willing to discuss their RV’s history could be hiding something. Websites like RVchecks might have a vehicle history report if you have suspicions. Don’t buy a used RV that you’re unsure about, even if the price is right. You’ll probably end up spending more money on repairs and maintenance.

Note: Dealerships might have higher prices, but they often have better quality and have done thorough inspections.

Once you have purchased your RV, you’ll want to have it insured. That’s where Linda Dugan Insurance comes in. We can help all Astoria, OR find an RV insurance policy that fits their needs. Contact us today for more information.

Choosing your health insurance is not only difficult. It is one of the most important decisions you make every year. If you get it wrong, you will be living with that decision for 12 months. At Linda Dugan Insurance in Astoria, OR, we understand how important this decision is. As independent insurance agents, we are uniquely qualified to provide you with the choices you need and the information to make an informed decision. 

Deductible

These days you will likely hear a lot about high deductible policies. Before the health insurance policy kicks in, a high deductible policy means paying a designated amount, usually at least $1400 for an individual and $2800 for a family. If you meet the minimum, you can then set up an HSA (health savings account) tax-free to help pay for those expenses. 

Network

Every health insurance carrier has made contracts with providers to offer services to their customers. You may not be able to go outside this network if you want the insurance to pay for the service. When you choose your policy, it is vital to ensure your preferred doctor and hospital are within your network. 

Formulary

Another important aspect of your coverage is your prescription medication. The formulary is the list of medicines covered by that policy and what the co-pay will be. Drugs are listed in tiers, and some of the tiers also come with a yearly deductible.

Co-pay

This is the amount you are responsible for when receiving a particular service. This is after you have met the plan deductible. 

Contact Linda Dugan Insurance in Astoria, OR when it is getting near the time when you have to choose your health insurance and let us help you get the most for your money.

Many people are not very knowledgeable when it comes to life insurance. If you have lots of questions, you are not alone. In Astoria, OR, the knowledgeable agents at Linda Dugan Insurance are here to answer the questions that you may have and help you to come up with the right life insurance combination for you. 

Whole life or term, what to choose? 

Whole life insurance is insurance that lasts for your whole life. Once you buy it you can keep it at the same premium forever. It also earns dividends, so it is a way to accumulate some extra savings and you can borrow from the money you have. Term life insurance has a term. When the term is over, the life insurance is over, or at least it is over at the previous rate.  All you get is the death benefit, nothing more.

When to purchase life insurance? 

The obvious answer is before you need it. But, if you are young and healthy, the premium will be the lowest and that is a good time to invest in whole life insurance. When you have heavy obligations and the need to provide for dependents, that is the time to get term life in the amount you need. 

Do I need to buy life insurance if I get some from work?

Do you know exactly how much you get from work and the type of insurance you have? Will you be able to bring it with you if you leave their employ? This is something important to consider. What if you get sick and can’t work or the business closes? It is always best to be in control of something as important as your life insurance. 

Contact Linda Dugan Insurance in Astoria, OR when you have questions about life insurance.

The greater Astoria, OR area business community relies on Linda Dugan Insurance for all of its insurance needs. If you want to make sure that your OR company has the protection it needs, call us today.

The many benefits of a comprehensive commercial policy

With a comprehensive commercial policy, you will enjoy benefits above and beyond those provided by basic policies. If you want to make sure that all of your inventory, equipment, and cash flows are protected, it may be time to upgrade your current commercial policy. In fact, we recommend that all of our business clients carefully review their policies at least once a year for completeness. You never know what gaps there may be in your policy until you take a closer look.

Comprehensive policies can provide additional features such as cash flow interruption, key employee coverage, and a number of different benefits that can keep your company growing. Life is full of unexpected events, and many can be detrimental to your bottom line. When you have the right commercial policy in place, you can rest assured knowing that you have the protection you need.

As your company grows, so too will its insurance needs. Don’t become complacent with your coverage! The coverage that was a perfect fit when you were first starting out may no longer be sufficient for your needs. It only makes sense to learn more about your options.

Now is the right time to find out more!

If you are a business owner in the greater Astoria, OR area, it’s time to get to know Linda Dugan Insurance. We can help you find the right policy that provides your company with the protection it needs. Give us a call today to schedule a consultation and find out more!

This might be a story you have heard before — floods damaging someone’s home, only for them to find out that home insurance doesn’t cover the damage! At Linda Dugan Insurance, we wouldn’t want you to go under the same predicament. We like to educate clients about the potential risks they face and offer them insurance solutions. Today, let’s look at flood insurance.

Flood insurance in Oregon

It’s natural for anyone to ask for the state’s requirements before making most decisions.  In line with this, many clients usually ask us whether flood insurance is required in Oregon. The short answer is no — no Oregon law requires you to carry flood insurance.

However, if your home is mortgage-financed, the lender may require you to purchase flood insurance if you are located in a flood-risk area. And even when you are located outside a flood zone, the lender can still insist you purchase flood insurance.

Why do you need flood insurance?

At Linda Dugan Insurance, we usually advise our clients to purchase flood insurance whether it’s mandatory or not. Why? You may ask. Flood insurance is a must-have investment because:

• Home insurance doesn’t cover flood damage — yes, you may have home insurance, but it won’t protect you against floods.
• Floods can strike anywhere — you don’t have to live near a water body for floods to strike. Because of rains, flash flooding can occur anywhere, and that’s why you need to be armed with flood insurance all the time.
• Grants aren’t always given — it’s wrong to assume that the government will intervene whenever there is a flood. This doesn’t always happen, and even when floods are declared an emergency, you are given grants that you will pay back with interest.

Looking for flood insurance in Astoria, OR? Would you please look no further than Linda Dugan Insurance? Contact us today for a favorable quote.

Linda Dugan Insurance is an independent agency. We work closely with multiple carriers throughout the West Coast. We are committed to helping our clients in Astoria, OR find policies that align with their needs. We offer unique policies that are designed to protect our clients in any situation. We look forward to helping you find coverage.

How Boat Insurance Is Impacted Through Traveling Abroad

During periods of warm weather in Astoria OR, many people enjoy heading out by the lake on their boats. Unfortunately, operating a boat may be more dangerous than it seems. There could be an accident at any moment. You could get caught at sea while serious weather is approaching. Consider the benefits of boat insurance. Boat insurance covers you while you’re on the water. You are protected if your boat is involved in an accident with another watercraft or object. You are also covered if your boat is stolen or damaged by severe weather. Liability coverage protects you if you are held responsible for damaging someone’s property or injuring another person. You are also protected if one of your passengers on the boat suffers an injury.

If you are planning an exciting vacation by traveling abroad on your boat, you have to do some research. If you are operating your boat on foreign waters, research the country’s maritime rules. You may need to obtain a permit or visa in order to operate your boat on foreign soil. There is no clear jurisdiction regarding international travel. Check your policy to see if the navigational limits still apply. The navigational limits outline the areas where you can operate your vehicle and still maintain coverage if something happens.

Linda Dugan Insurance Will Help You Protect Your Assets

Visit our website to learn more information about boat insurance.

If you drive a vehicle that tows an RV behind it, you may wonder if that towed RV needs its own insurance policy. It’s a good question that is commonly overlooked.

Linda Dugan Insurance serving Astoria, OR knows that you have insurance questions. If you want to know if your towed RV needs its own policy, here’s what you need to know.

Towable RVs May Be Covered By Your Auto Policy

When you have an RV that you tow, your auto insurance policy may already cover it. However, in many cases, only some coverage applies to the RV. For example, you might have collision coverage, but it may not cover the personal belongings inside the RV.

Towable RV Lenders May Require RV Policies

You may also need RV insurance for an RV that you tow if you are paying a loan on it. Lenders may require that you have special insurance that covers the replacement cost of the RV if it is totaled. Lenders also often require that you have comprehensive and collision coverage for your RV, even if you do not have it for your car.

Motorhomes Require Separate Policies

Everything changes if you get an RV that you can drive. When you operate an RV separately from another vehicle, it must have its own insurance policy. At the very least, you need to have liability insurance to cover any damage you cause.

Linda Dugan Insurance, which provides insurance services to the residents of Astoria, OR, can help you determine what kind of insurance policy is right for your RV. Contact an insurance professional today to get the right policy.