Deciding on home liability coverage in Washington can be difficult. You want to make sure that you have sufficient coverage so that you don’t spend a fortune of your own money in the event someone gets injured on your property. You are the homeowner and therefore you are often held liable if someone slips and falls, burns themselves, or potentially even dies.

There is a significant amount of expenses that can be incurred. These include:

• Legal costs
• Medical bills
• Pain and suffering
• Death benefits
• Lost wages

You don’t want to be responsible for all of these expenses on your own. It is easier to have them encompassed within home liability coverage, which is part of your homeowner’s insurance policy. When you purchase your homeowner’s policy, you can determine what level of coverage you have in place for home liability. This is going to involve working with an independent insurance agent who can guide you through all of the options.

You can choose to add various scenarios where home liability coverage will take care of the incident. This can include basic negligence as well as if someone were to leave your property inebriated and get into an accident.

As the homeowner, you can be held responsible for all sorts of incidents and the financial repercussions can be astounding. You can increase the limits as high as you want to minimize the chance of having to pay out-of-pocket. You can also choose to add a personal umbrella policy as optional coverage, providing additional liability protection.

At Linda Dugan Insurance, we’re here to work with you on homeowner’s insurance in Longview. Let us get quotes and answer questions you may have about home liability coverage. We can help you to find an affordable policy.

If you’re looking to make some extra cash, having a garage sale is an excellent idea. You don’t want to lose all the money you make from a garage sale in a liability lawsuit, though. If you’re thinking about holding a sale in Astoria, OR, let us at Linda Dugan Insurance help you check your liability coverage before the weekend of your sale.

Maximize Your Earnings

One of the main reasons to have a garage sell is to sell things — and get money. There is an art to successfully selling items at a garage sale, though. To maximize your earnings, you can:

• clean items before placing them out for sale
• price items reasonably at ¼ to ⅓ of their original price
• combine your sale with neighbors’ sales to attract more people
• let people know you’re willing to negotiate on the last day of the sale

In general, success at a garage sale doesn’t come from selling a few items at prices that are just slightly lower than their initial values. Instead, it comes from presenting items well, attracting people and pricing items low so that they sell.

Check Your Liability Coverage

Accidents at garage sales are rare, but they happen occasionally. If someone is hurt at your garage sale, you might be held financially responsible.

Liability coverage, which is included in most homeowners insurance policies, provides homeowners with protection against covered incidents. If you have adequate liability coverage, and the accident is covered by its terms and conditions, your homeowners insurance policy might protect you from any lawsuits filed over the accident. This is the best way to protect yourself and your garage sale earnings from such a risk.

For help checking your liability coverage, contact us through our website. Even if you didn’t purchase your policy through us, our agents would be happy to review your coverage with you.

You likely want to do all that you can to protect your home in Oregon. As the fall months approach, there is a lot that you can be doing to ensure your home is in good condition. The fall leads to the winter and what you do in the fall as a way of protecting your home even further, especially against any snow and ice that may fall in the coming months.

Gutters – Gutters need to be maintained, just like everything else in your home. They may fill with leaves and various other items. Have a company come out and clean them – or clean them on your own. This can also minimize the chances for an ice dam during the winter.

Roof – Have your roof inspected annually, and do so in the fall. This will ensure that you don’t have any loose shingles or any that are missing – which could wreak havoc when snow and rain begin to fall.

Chimney – Your chimney should also be cleaned annually, especially because you don’t want a fire taking place just because you weren’t able to get it clean enough. Hiring a chimney sweeper can go a long way for peace of mind.

Inside Your Home – There are quite a few things that you can do inside your home for general maintenance as well.

When you want to cut down on your electric bill, reverse your fans so that the warm air is being distributed better.

Go through and replace batteries in all your smoke detectors so that you can be confident they are going to work when needed.

At Linda Dugan Insurance our agents look forward to helping you with your home in Astoria. Call today and learn about the many ways that we can assist with finding you an affordable homeowner’s insurance policy.

Oregon forest and wildfires are a part of life in our state. Some of our most beautiful areas are at greatest risk from these disasters. But you don’t have to live in a forested area to have a home that is at risk of a fire. Fires can result from grease on a stove in the kitchen, from a propane grill, or lightning. They can result from a space heater, an unattended candle, or an electrical short. When a fire occurs in a home, the damage is not limited to items lost in the flames. Soot and smoke damage can be just as, if not more, devastating.

Smoke can quickly travel through your entire home, even if a fire is contained to one room. This smoke can travel through open doorways and vents getting into your carpeting, curtains, bedding and furniture. It can get on your clothing, and onto your walls and ceilings. The cost of eliminating smoke damage can be every bit as expensive as repairing damage from the fire itself.

Are you confident your homeowners insurance will cover the full cost of fire and smoke damage in your Oregon home? If there is any doubt, contact Linda Dugan Insurance. We are an independent insurance agency that can review the policies of any company. If your coverage turns out to be inadequate, we can search multiple companies seeking the appropriate coverage at the best possible price. We believe that homeowners insurance ought to be affordable without sacrificing coverage.

Try us online. Visit our website and request an online comparative quote for your homeowners and auto insurance. By answering a few simple questions, you can be on your way to better coverage at a price you can afford.

Contact Linda Dugan Insurance today. We can help bring you peace of mind when it comes to your homeowners insurance coverage.