Did you know that floods are the most common natural disasters in the US? Floods are a constant threat to Americans. Even if you don’t reside in high flood-risk areas in Astoria, OR, you are susceptible to some danger or loss from a flood. Why? According to National Flood Insurance Program (NFIP), 20 percent of all flood claims filed emanate from low to moderate flood risk areas! 

Given these statistics, prior preparation for the possibility of a flood by understanding flood insurance is crucial. Are you concerned that your household is devoid of protection against flood surges? Please connect with our dedicated agents at Linda Dugan Insurance, who will assist you in acquiring proper flood insurance irrespective of your location.

Is flood insurance mandatory in Oregon?

Though flood insurance isn’t federally mandated in Oregon, your lender may still demand you to purchase flood insurance even if you reside outside the high-risk area. Since typical home insurance doesn’t protect you against floods, it’s a wise choice to buy flood insurance to protect your home.

What does flood insurance cover?

Flood insurance from NFIP covers your home up to $250,000 and contents up to $100,000. However, you can increase these limits by topping up your premiums. Flood insurance on the dwelling covers: 

• Standard home systems like central AC, furnace, and electrical wiring
• Wall, windows, doors, and roof
• Built-in appliances such as refrigerator stoves and dishwashers
• Permanently installed carpeting, wallboard, bookcases, and cabinets
• Detached garages
• Building and its foundation
• Electric and plumbing system
• Window blinds and shutters

Content coverage covers:

• Furniture and movable floors
• Portable and window air conditioners
• Clothes washers and dryers
• Curtains and window treatment
• Electronics
• Clothing
• Curtains
• Portable appliances like window air conditioners and microwaves.

If you own high-value items like art, silverware, and jewelry, it’s prudent to inquire from your insurer about additional riders or endorsements to enhance your coverage.

Flood insurance in Astoria, OR

Do you need help in finding a salient flood insurance policy that safeguards your dwelling and its contents from flood damage? Call or visit our offices at Linda Dugan Insurance and get comprehensive information about flood insurance.

If you live in the Astoria, OR area, ensuring that you have a proper personal insurance plan in place should be a top priority. A form of insurance that all people here should get is umbrella insurance. When you have an umbrella insurance policy in place, it will give you valuable blanket personal liability coverage. There are a few reasons that you should get umbrella insurance.

Insurance Covers More Situations

A key reason that you will want to have an umbrella insurance plan is that it can cover more situations. The average person regularly faces a variety of liability risks. While some of these are covered by home or auto insurance plans, others are trickier to protect against. The best way that this can be done is by getting an umbrella insurance plan, which offers more blanket insurance coverage and covers a big range of potential risks.

Insurance Offers Additional Protection

Many in Oregon will have home and auto insurance, which offers some liability coverage. While it is a good start, an accident with significant damages could end up exceeding these policy limits. If this occurs, you will want to have umbrella protection as it will provide coverage on top of the other plans that you have in place. 

Those that are in the Astoria, OR area and would like to get an umbrella insurance plan should speak with someone that they can trust. The team with the Linda Dugan Insurance agency is a great group to contact when you are in need of any support. Linda Dugan Insurance will be able to assess all of your needs and give you the guidance that could help you build an umbrella insurance plan that continues to provide adequate personal liability protection. 

One thing you can attest to is that health is wealth. Without sound health, you can virtually not function. With this in mind, it’s a no-brainer to protect yourself with health insurance from Linda Dugan Insurance of Astoria, OR. If you are still unconvinced that you need health insurance, here are a few more reasons you should consider this insurance.

Rising healthcare costs

With the constantly increasing cost of healthcare in the country, medical expenses can wreak havoc on your savings if you don’t carry health insurance. Additionally, with the rising number of diseases, health insurance ensures that you get medical care without worrying about medical costs. 

Tax benefit

Are you looking towards reducing your tax burden? Health insurance can be an excellent place to start. If you are registered with an employer-sponsored health insurance plan, your health insurance premiums are already tax-free. Self-employed individuals can enjoy tax-deductible health insurance premiums if they meet specific requirements. 

Changing lifestyle

Over the years, our lifestyles have been rapidly changing, exposing us to a plethora of diseases. From our eating habits to the heavily polluted environment we live in, our health is always in danger. In such perilous times, health insurance becomes the go-to investment to protect us from various health disorders.

Preventing illnesses

Health insurance doesn’t only kick in when you are sick. It protects you from getting sick in the first place. When you carry health insurance, it enables you to access the below preventive health care:

• Vaccinations
• Annual checkups
• Scans and screenings
• Blood tests

Periodic health checkups are vital in arresting early symptoms of diseases that exhibit visible signs in advanced stages. Health insurance also helps you manage chronic diseases like cancer, diabetes, and heart disease, prolonging life and helping you live a quality life. 

Health insurance in Oregon

If you are now convinced that you need health insurance, it’s time to contact Linda Dugan Insurance, serving Astoria, OR, and the surrounding areas. When you visit us, we will help you navigate the health insurance options available.

Most people look forward to retirement with a great deal of anticipation. Not having to get up and go to work every day is very appealing. The lead up to retirement can last a year or more as you tie up all the loose ends and get ready to move into this new phase of your life. If you have been counting on life insurance provided by your employer for your protection, you will have some things to think about. In Astoria, OR, Linda Dugan Insurance is your locally owned independent insurance agency. We are here to help make sure your retirement progress smoothly and you have the right insurance for your lifestyle. 

When you think about retirement, do you picture you and your spouse or partner traveling the world or wintering in a warm climate? The reality for many people is quite different. You may have children or grandchildren who live with you and whom you are providing support for. Under this retirement scenario, not much has changed from when you were raising a young family. You still have people who depend on your income. 

When you are thinking about your retirement, providing for dependents is something to consider when determining how much life insurance you need. You want to make your spouse or partner is provided for in addition to providing a legacy for others when you are gone. How much you want to leave is dependent on your ability to maintain the payments on your insurance. By the time you are at retirement age, your term policies may be at the end of their term. A whole life policy will remain at the same price. 

One thing most retirees want to have covered by life insurance is their final expenses. Depending on the type of sendoff you want it can be inexpensive or over $10.000. Another option is to prepay these expenses. 

In Astoria, OR contact Linda Dugan Insurance for all your life insurance needs. 

The Astoria, OR area is a fun place to live if you enjoy spending time in the great outdoors. When you are going to try to enjoy the environment as much as possible, getting a recreational toy can be a great option. Those that do get a recreational toy need to make sure that they get the right insurance for it. There are a few different reasons why you should get a toy insurance policy.

Insurance Offers Protection Against Liability Risk

A reason that anyone should get a toy insurance plan is that it can offer protection against the risk of a liability claim. When you operate your recreational toy, there will always be a chance that you could cause an accident that leads to damage. When you have proper insurance, you will have the coverage that is needed to mitigate the risk that you will have to pay for damages in the future.

Insurance Covers Assets

You will also want to get a toy insurance policy as it will cover your assets. Anyone that is going to get a recreational toy will want to know that they can repair or replace it if an accident occurs. With a full toy insurance plan, you are going to have the coverage needed to protect your asset so you can continue to enjoy it in the future. 

When you want to get a toy insurance policy in the Astoria, OR area, it is important to evaluate your needs and options. The team with Linda Dugan Insurance can help you to do this. When you do call Linda Dugan Insurance, you can learn a lot about your different options. They can help you then build a policy that will offer you the right type and level of coverage for your recreational toy. 

Those that are in the Astoria, OR area will love living in a beautiful climate. For people that are in this location of Oregon, investing in a boat to use can open up many opportunities for fun. Anyone that does invest in a boat here should make sure that they get the right insurance coverage for it. There continue to be many reasons to get a full boat insurance plan when you are in this area of the state.

Insurance is Required

A reason that a lot of people will choose to get this insurance is that it could be a requirement. Depending on where you want to dock and use your boat, there could be local or private rules in place that govern your insurance needs. Further, if you have taken out financing to buy a boat, your lender will want you to maintain coverage at all times.

Insurance Protects Boat

If you buy a boat, you will want to be able to enjoy it for a long time. A good way to ensure that you are able to do so is by getting insurance. With a boat insurance plan, you are going to get the coverage needed to repair or replace your boat. This can offer peace of mind as well. 

Those that are going to get a boat insurance plan in the Astoria, OR area may find that they have many different questions. A great company to speak with when you are looking for boat insurance is Linda Dugan Insurance. Choosing a new plan will require a lot of thought and consideration and Linda Dugan Insurance can make it easier for you. The team here can help you assess your situation and pick a plan that is right for you. 

Flooding is a common event in Oregon, putting homeowners at risk of financial loss due to flood damage. If you live in an area that’s prone to flooding, it’s important you prepare by purchasing flood insurance. With flood coverage from Linda Dugan Insurance, you can get compensation for damage to your home or loss of personal goods due to flooding. Here’s what you can expect from a typical flood policy.

Flood Insurance Coverage in Astoria, OR

Standard flood policies offer two types of protection – building coverage to protect your home and contents coverage for your belongings.

In addition to your home structure (ceiling, walls, flooring), building insurance covers your electrical system, plumbing, furnace, water heater, home appliances, carpeting, cabinetry, built-in bookshelves, paneling, window blinds, and more.

Contents insurance covers all your personal goods to include clothes, furniture, small kitchen appliances, electronics, washer & dryer, portable AC units, and area rugs. It also covers valuables like original artwork and posh jewelry up to the limit of $2,500.

If your home and possessions are important to you, take the time to protect these valuable investments with flood coverage.

Importance of Flood Coverage

As a homeowner in Astoria, OR, there are numerous reasons to consider purchasing a flood insurance policy. First, floods aren’t limited to flood zone areas – they can occur anywhere. That’s why it’s important to be prepared with flood coverage.  

Second, it doesn’t take much floodwater to cause extensive damage. Even a few inches of standing water can cause disastrous results. Third, home insurance doesn’t cover flooding. Without flood coverage, you could wind up paying for flood damage on your own.

Where to Purchase Flood Insurance

For your convenience, you can purchase flood coverage locally from Linda Dugan Insurance. We’ll help you determine the coverage best suited to your needs.

You are ready to head out on the highway in your new RV, otherwise known as a recreational vehicle, but to do it with the peace of mind you deserve, you will need to obtain the proper RV insurance policy. The agents at Linda Dugan Insurance in Astoria, OR have the knowledge and experience with RV insurance to put you on the right road.

RV Liability Insurance

The state of Oregon, like nearly every other state in the United States, requires that all RV owners have at least a liability insurance policy that will cover injuries to people sustained in an accident deemed to be your fault and any property damage you may cause. Also, you must have liability insurance that will cover anyone that is visiting your RV and is injured in some type of mishap, such as a fall.

Collision Coverage

Collision insurance will cover damages and injuries that can occur if you are involved in an accident with another vehicle or an object. For example, if you back your RV into a camper at a campground you are staying at, this part of your insurance policy will cover damages to your RV and the other person’s camper.

Comprehensive Coverage

This type of insurance will cover your RV if it is damaged or destroyed due to a fire, vandalism, or natural disaster, such as a tornado. Comprehensive insurance will also help you replace your RV if it is stolen and can also cover your personal property inside your RV.

Call for a Quote

To obtain the perfect RV insurance policy that fits your situation, call upon the RV insurance agents at Linda Dugan Insurance in Astoria, OR today!

Those that are in the Astoria, OR area should spend time every so often considering their personal insurance needs. One form of insurance that all people here need to get is health insurance. This type of insurance can provide you with access to affordable healthcare. There are several reasons why everyone in this area should get health insurance coverage.

Insurance Gives Access to Care

The main reason that people in this area of Oregon should get health insurance is that it will provide them with access to affordable care. If you are ever become sick or hurt and need to see a doctor or have a procedure, the cost can be significant if you do not have health insurance. Additionally, those that are not insured are far less likely to see a doctor for regular visitations, which can encourage a less healthy overall lifestyle and will preclude you from getting important prescription medication. 

Insurance is a Legal Requirement

Another reason that everyone should get some form of health insurance is that it is now a legal requirement. For the past few years, all people have been required by law to have insurance for themselves and their dependents. If you do not have the right coverage in place, you will be penalized at the end of the year as you will need to provide evidence of insurance coverage when filing your taxes. 

There are a lot of options to consider when looking for health insurance in the Astoria, OR area. When you are looking for your next policy, you should call Linda Dugan Insurance. The health insurance team at Linda Dugan Insurance understands the complexities that come with a health insurance policy. They can help you understand your options and choose the right policy for your situation.

Taking out an umbrella insurance policy can benefit consumers in Astoria, OR in numerous ways. We provide umbrella insurance coverage at Linda Dugan Insurance. 

The following are three advantages you can enjoy by investing in umbrella insurance today.

Umbrella insurance offers greater financial security.

You face financial risks if you don’t carry umbrella coverage. You could face a liability lawsuit that could end up costing you a great deal.

Umbrella insurance provides you with financial security. With this type of coverage, you keep your finances more stable regardless of what happens down the road. 

Umbrella insurance protects your net worth.

Those who have a lot of assets to protect are especially at risk of being targets for lawsuits. Unfortunately, your net worth can be severely decreased or even wiped out quickly if you face a lawsuit.

With umbrella insurance coverage, you’re protecting your assets. If you do face a costly lawsuit, your umbrella insurance coverage will cover the costs. This way, you don’t have to pay out of your own pocket and lose your hard-earned assets as the result of a lawsuit. 

Umbrella insurance prevents unexpected financial setbacks.

It’s good to be able to plan for the future. Unfortunately, your plans for the future can fall apart quickly if you face a lawsuit and you don’t have umbrella insurance coverage.

With umbrella insurance coverage, you minimize the chances that you’ll face a severe financial setback. You have coverage to fall back on if an unexpected accident occurs for which you are held liable. 

We can provide you with more helpful information on the many advantages umbrella insurance coverage can offer you in Astoria, OR. Contact us at Linda Dugan Insurance to learn more.