When traveling for vacation and you’re out on the open road in your RV, you want to have peace of mind that should an accident or theft occur, you are covered.  Shopping around for RV insurance can seem like an overwhelming task but armed with a bit of knowledge, you can figure out what coverage is needed for your vehicle and traveling needs:

Collision Coverage:  One of the most important, collision coverage will cover any accidents that occur with another vehicle, no matter who is at fault.  Low branch collision is another collision coverage to add to the policy which provides insurance coverage for the AC unit, awnings, etc.

RV Liability Insurance:  Almost all states require liability insurance on an RV and Oregon is no different.  Coverage is needed for property damage that might be caused by you and bodily injury to another individual that might slip and fall while in your RV, for example.

RV Road Service or Roadside Assistance:  This will cover things such as a dead battery, running out of gas, towing and changing flat tires to name a few.  

Full-Timer Coverage:  If you live in your RV full-time, you’ll want to ensure that not on the RV is covered but all personal property inside is as well.  Asking about personal items replacement coverage is important when living full-time in an RV.

Linda Dugan Insurance, serving Astoria, has a knowledgeable team ready to help you get the best type of insurance you need for your RV so that when you’re out on the open-road, you’re on vacation.  Visit our website or call 503-440-3909 and a team member will answer any questions you might have and work with you to get the best coverage.

Once your boat has been removed from the water and appropriate measures have been taken to winterize the boat while it is not in use, you should still consider purchasing a policy to protect it against theft, damage or vandalism while it is in storage. While the risk of damage may be minimal, if it does occur, it can result in several thousand dollars worth of damage. If you still have a loan on the boat from when it was first purchased, the policy will have to remain in place whether the boat is in the water or not.

Most facilities that offer boat storage are fenced in and have security cameras on the premises. That doesn’t stop people from gaining access, however. It also does not protect the boat from damage caused by the weather. Discuss what options you have available to you with your insurance agent. They will be able to advise you as to what type of policy is needed and how much insurance should be purchased to protect your overall investment.

In Astoria, Oregon, the residents can turn to the licensed agents at Linda Dugan Insurance if they have any questions pertaining to insuring their boat while it is in storage. The agents will help you determine what type of insurance you may need as well as how much should be purchased to sufficiently protect your financial investment. There are potential risks for damage, even if the boat is not on the water. Talking to your insurance agent will help you make the best decision towards protecting your assets.

If your profession deals with transporting individuals or goods, your company vehicles can be the lifeline of your business. As such, it’s important to do what you can to preserve the quality of your fleet. This includes scheduling regular maintenance, providing driver training for employees and keeping your commercial auto insurance up to date. The following steps can help you better manage this important aspect of your business.

Maintenance and Repairs

Someone in your company should be responsible for vehicle upkeep and repairs. Having regular drivers makes it easier to keep tabs on the condition of your vehicles and schedule maintenance when there’s a need. It also helps to have a regular mechanic whom you can trust with vehicle repairs. Scheduled maintenance will lower the risk of accidents, extend the lifeline of your vehicles and reduce repair costs.

Hire Conscientious Drivers

Hiring good drivers is another way to keep company vehicles in good shape. New drivers should be screened before hiring to ensure they have good driving records free of accidents and violations. Your company can also sponsor driver training courses from time to time to reinforce safe driving habits. Companies that make driving safely a priority do their part to reduce the risk of accidents.

Establish Rules for Using Business Vehicles

Every business should have rules for use of their business vehicles. Such rules could include no texting, cell phone, alcohol or drug use while driving, mandatory use of seat belts, no aggressive driving, etc. Employees should also be encouraged to lock vehicles when parked in public areas to discourage theft.  

Partnering with the right insurance company in Oregon will give you great insurance coverage to protect your company vehicles. Call or visit us today at Linda Dugan Insurance to get the customized commercial auto coverage you need. 

There are a lot of different avenues a person must take in order to keep them and their loved ones safe. Unfortunately, a lot of Americans do not prioritize their insurance needs, or they may simply prioritize certain types of insurance but not others. What they often discover is that insurance is not a laughing matter; in fact, quite the opposite. When you are in a car accident, a health crisis, lose your home to a tornado, or find yourself leaving behind your loved ones, you do not want to be up a creek without a paddle. The five types of insurance that Linda Dugan Insurance has found are commonly expected to get include:

1. Life insurance – Insurance that makes sure that your family is well taken care of following their death
2. Health insurance – Insurance to protect you in the event that you need to get a check-up, get surgery, get medication, etc.
3. Automobile insurance – Insurance to protect you incase of an accident, either one caused by yourself or caused by an "act of god."
4. Long-term disability coverage – In the event of permanent/nigh-permanent disability, this insurance would make sure that you were able to support yourself financially and not burden others with your care.
5. Homeowner’s Insurance – Insurance to protect you from liability for damages, including certain weather or seismic activities (check your homeowner’s insurance to make sure these are covered!). Being in the pacific Northwest, Oregan has grown relatively used to hurricane-force winds.

Some insurance – like automobile insurance – is mandated by Oregon law; if caught without automobile insurance while driving, you may find yourself facing fines, a suspended license, and/or a towing.

Residents of Astoria, Oregon and other cities can contact Linda Dugan Insurance, either by phone at (503) 440-3909 or online if they have any questions or concerns about their insurance needs.

It can be exciting to get a boat and get ready to take it out on the water and make memories with friends and family. However, when you get your boat ready for boating, there are a few things to think about before you get on the water. Here are a few questions you can ask yourself to make sure that you have everything in place.

What kind of boat do you have?

Some of the regulations for boating are based on the size and speed of the boat you have. After all, it wouldn’t be safe or practical to take a big yacht on a small river. Be sure to research Oregon laws regarding what kinds of boats are permitted on public waters, and any limitations on boating. For example, you must be over 13 years old and pass a boater education course to drive a boat in Oregon.

Where can you use your boat?

There are lots of places to go boating in Oregon, but not all waters are public or allow boats. Be sure to check that boating is allowed before you take your boat to a body of water, and use the proper boating ramps once you arrive.

How do I keep myself and passengers safe?

In addition to driving the boat safely and keeping life jackets on board, you can keep yourself and your passengers safe with proper boating insurance. Speaking with a qualified insurance agent will help you find the best insurance options for your boat and needs.

For more information about protecting yourself and your boat with proper insurance, contact Linda Dugan Insurance today.

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.