The Insurance House

2801 E Broadway,
Tucson, AZ 85716

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Essential Tips for Keeping Your Car Safe in Desert Heat

The summer months can be difficult for car owners, especially if you live in Tucson, AZ with our harsh desert heat. With that said, taking some simple precautions can keep your car safe and in good condition during the hot months. The Insurance House has compiled some essential tips for keeping your car safe in the desert heat.

Regularly Check Tires and Fluids

The hot temperatures of the desert can cause tires to wear more quickly, so checking their pressure regularly and replacing them when needed is essential. Additionally, keeping the car’s fluids full is necessary to ensure the engine is running correctly and the vehicle can handle any bumps or obstacles in the road. Driving through the desert with low or dirty fluids can cause the car to overheat or malfunction, leading to expensive repairs.

Park in Shaded Areas

Parking in shaded areas is vital to protect your vehicle from the sun’s rays. The sun can cause your car’s interior to become very hot and uncomfortable, making it difficult to drive safely. Additionally, the sun can fade your car’s paint job, causing it to age prematurely.

Utilize Reflective Window Covers

Reflective window covers can help keep your car’s interior cool by reflecting the sun’s rays away from your vehicle. This can help reduce the need for air conditioning, saving energy, and money. Covers can also provide additional privacy, making your car less visible to those outside.

The Insurance House in Tucson, AZ is the perfect place to get auto insurance. We offer various coverage options to meet your needs and budget. Let us show you how we can help you with your auto insurance needs today.

How Do I Protect My Boat on the Water?

Owning a boat in Tucson, AZ is an exhilarating experience, but it comes with several responsibilities. One of the most important is ensuring your boat is adequately protected while on the water. Let’s look at some of the best ways to protect your boat so you can enjoy worry-free trips.

Secure Your Boat When It’s Not in Use

When your boat isn’t in use, ensure it’s secured in a secure area, such as a garage or storage facility. This will help protect it from vandalism and theft. Invest in good-quality locks for any hatches, compartments, and other openings that are not always visible outside. Also, consider supporting a security system for more protection when you’re away from your boat. Ask your Insurance House agent how your policy works when your watercraft is in storage or out of the water.

Stay On Top Of Maintenance

Regular maintenance is vital to keeping your boat running smoothly and avoiding significant problems down the line. Make sure you service your engine regularly according to manufacturer specifications. Before each voyage, check all necessary parts, like lights and bilge pumps, to ensure they function correctly. This will reduce the chances of an unexpected breakdown or accident while on the water.

Invest In The Right Insurance Policy

Having the right insurance policy is essential for protecting yourself financially if something goes wrong while out in the water. Investing in a comprehensive insurance policy will cover any damage or loss that may occur due to weather, accidents, theft, and more. Plus, if you have a loan on your boat, your lender will probably require you to carry specific types of insurance.

If you need assistance finding an insurance policy that fits your needs in Tucson, AZ, reach out to The Insurance House today! We would be happy to help!

How Do I Know if I Need Flood Insurance?

Flood insurance is needed for anybody who lives near a river, creek, or body of water that has historically flooded during heavy rains. The FEMA flood maps contain topological data showing how likely an event is, the elevation, and the potential frequency. In addition, this information is updated every few years. 

Using this resource is necessary because Tucson, AZ residents cannot always determine flood risk simply by looking at a home’s location. This is because flood planes can be anywhere a wet weather stream materializes during severe weather, drainage ditches overflow, or in the path of a gully. 

Flood insurance is not a requirement for people living in Arizona by law, but it is often a condition imposed by a lender if you live in an area with a moderate to high risk of flooding. This is especially true if the bank is government-backed. The Insurance House can put you in touch with a knowledgeable representative to give you more information in this area. 

Even if you do not currently carry a balance on your home, a high-risk flood zone jeopardizes your possessions, personal welfare, and property. Out-of-pocket expenses for flood events can be catastrophic, so many people choose to carry this coverage even when it is not mandated. 

It’s important to understand that your standard homeowner’s insurance does not cover damages incurred due to flooding. Flood insurance is its own coverage and is designed to deal with the circumstances regarding this type of disaster. 

The Insurance House Can Meet Your Needs

Call us today, visit us online, or stop by the office where we can further discuss your insurance questions. Faithfully serving the residents of Tucson, AZ, we look forward to working with you. 

What are the pros and cons of obtaining life insurance?

Having and maintaining life insurance can be a topic of contention. While some may deem it unnecessary, others may see it as a way to exploit the vulnerable population. Both statements can be accurate, but the truth is that life insurance can help you in various ways and is essentially the better option, as opposed to going without coverage.

First, examine the need for life insurance. Simply put, if someone depends on you for their care, you should consider searching for a policy. You first must know what to expect. What sort of negative or positive aspects will you encounter? In the event of your untimely passing, life insurance can be a saving grace for your family.

There are several pros and cons to having a life insurance policy. Some pros include tax-free payouts for your dependents, your family can obtain the funds to take care of their expenses, and your final expenses should be covered. Cons include the added expense; the issues that can arise as far as age and other factors; and the confusing jargon that is often used – it becomes easier for customers to become befuddled during the life insurance purchasing process. But there is help available.

The Insurance House in Tucson, AZ has the expertise to assist you in navigating your life insurance policy. With several years of life insurance know-how, the Insurance House will present you with your options and help you figure out what will work best for your situation. Contact the Insurance House in Tucson, AZ today and make the critical decision to protect your family and yourself for years to come.

Get the Scoop on Being a Bonded Business in Arizona

Arizona is a great state to form and operate a business. The state offers many benefits for businesses, including a favorable tax climate and a variety of business-friendly laws. But what does it mean to be a bonded business in Tucson, AZ? The Insurance House is here to give you the scoop!

What Does a Bonded Business Mean?

As a business owner, it’s essential to understand the requirements and benefits of being bonded. In short, bonding is a type of insurance that protects businesses and consumers from financial loss if a company fails to deliver on its promises. In Arizona, a few different types of business bonds may be required, depending on the type of business you operate. These include bonds for residential contractors and commercial contractors.

What Are the Benefits of Being Bonded?

There are many benefits of being a bonded business. Perhaps the most crucial advantage is that it provides financial protection for the company if something goes wrong and the business cannot deliver on the promised work. This can provide peace of mind and help businesses avoid financial ruin. Additionally, bonding can help the company obtain contracts and work with other businesses, showing that the trader is trustworthy and has the necessary financial backing to complete the work.

What Happens If I’m Not Bonded?

Suppose your business is not bonded, and you fail to meet your obligations to your customer. Without a bond protecting your business, you may have to pay out of pocket for all the expenses resulting from litigation and the significant hit to your reputation. The customer may also sue the business for breach of contract. The customer may file a complaint with the Better Business Bureau or the Attorney General’s office in that case.

The Insurance House in Tucson, AZ offers bond insurance. If your business needs bonds or any other commercial insurance, reach out to us for a quote today! We are a full-service insurance agency experienced in providing quality insurance products to our clients.

What Are the Benefits of Umbrella Insurance?

No one likes to think about what could go wrong, but it’s essential to be prepared for the worst. That’s where umbrella insurance comes in. If you live in Tucson, AZ, and are looking for umbrella insurance, The Insurance House can help.

Here are some of the benefits of umbrella insurance:

Provide Additional Coverage

Umbrella insurance provides additional coverage beyond your homeowners, auto, or watercraft policy limits. It offers protection against claims that may be excluded by your other policies, such as libel, slander, certain business-related liabilities, and damage to rental property.

Umbrella insurance can also provide coverage for situations that may not be covered by your other policies, such as injuries sustained while participating in hazardous activities. In addition, umbrella insurance can help to protect your assets if you are sued. While umbrella insurance is not required, you’ll live knowing that you and your assets are protected.

Comes With Rider Benefits

Umbrella insurance policies often come with riders or additional benefits that can further protect you. For example, an umbrella insurance policy includes a personal injury rider which provides coverage for certain medical expenses, legal fees, and lost wages if you are injured due to someone else’s negligence.

Riders can vary from policy to policy, so it’s important to talk to your insurance agent about what riders are available and which ones make sense.

Protects Your Future Earnings

Umbrella insurance can also protect your future earnings. If you are sued and found liable for damages exceeding your other policies’ limits, your future earnings may be at risk. Umbrella insurance can protect your future earnings by providing additional coverage beyond the limits of your other policies.

If you’re looking for umbrella insurance in Tucson, AZ, The Insurance House can help. Contact us to learn more about our umbrella insurance policies and how we can help you protect your assets.

Auto insurance FAQs

At The Insurance House in Tucson, AZ, we have provided exceptional customer service since 1963. Though we have grown, we still offer the personalized service that our customers have come to expect. We will be there with you from when you get your policy to any help you need with claims you may have. 

What auto insurance is mandated in Arizona?

In Arizona, you are required to have liability insurance. The required minimum is 25/50/15. This means $25,000 for injuries to a single person, with a total for the accident of $50,000. Property damage coverage is required to be $15,000. If, however, you have an auto loan or are leasing your vehicle, you will be required to have more collision and comprehensive coverage to protect the car. 

Does my auto insurance cover anyone who drives my vehicle?

The insurance is on the vehicle, not the driver. However, the driver must have your permission to drive the car. If someone is driving with your consent and has an accident, your insurance will be the one that provides the coverage. The driver’s insurance will only be used if the injuries are more than what you have coverage for. 

Can I keep my adult children on my policy?

It should not be a problem if your adult children live at home. It should also be okay if they’re away at college and have not changed their primary address. It should be covered if you have provided them with the vehicle and are still insuring it. But, always check your policy and give your insurance agent a call to be sure they are covered. 

Contact The Insurance House in Tucson, AZ with any questions or concerns about auto insurance. We will gladly provide a no-obligation quote. 

Do I Need Watercraft Insurance for my Jetski in Tucson, AZ?

In Tucson, AZ, you are not required to have watercraft insurance for your jet ski. However, it is still a good idea to have coverage in case of an accident. Here are some things to consider when making your decision about whether to purchase watercraft insurance:

Repair and Replacement Costs

If you get in an accident, you will be responsible for your jet ski’s repair or replacement cost. Your insurer may cover all or some of these expenses if you have insurance. A representative from The Insurance House can help you determine how much coverage you need for your jet ski.

Medical Coverage

If you or a passenger are injured in an accident, you may be responsible for medical bills. These expenses can add up quickly, so it is crucial to have adequate coverage. Watercraft insurance can help cover these costs and give you peace of mind while you are enjoying the Tucson sun.

Liability Coverage

If you are found at fault in an accident, you could be sued for the other person’s injuries and property damage. Watercraft insurance can help protect you financially if they sue you. A lawsuit endangers your bank account and personal assets, such as your home or savings account.

It can also affect your future earnings. If you are sued and lose, the court could order you to pay the other person’s medical bills, lost wages, and pain and suffering.

The Insurance House offers watercraft insurance for jet skis and other personal watercraft. We can help you find the right coverage for your needs. Call us today to learn more.

3 Reasons to Get Flood Insurance Today

If you live in the Tucson, AZ area you probably don’t think about floods too much. But living in the desert doesn’t mean you’ll never be subjected to a flood at your home. By working with The Insurance House, you can get the flood insurance you need to protect what’s important to you. There are many great reasons to choose an insurance policy that meets your needs. Here are three of the most important reasons to reach out for a flood policy today.

1. Anywhere It Can Rain, It Can Flood

Even deserts can have flooding problems. Most of the year, it may seem dry and arid, but the monsoon season or an unexpected storm can cause issues you’d much rather avoid. Being protected and prepared is essential, even for people in drier climates.

2. Peace of Mind is Very Important

The right flood policy can help you feel confident and secure when taking good care of your home and family. It’s a good idea to periodically review all your insurance documents and add or increase anything that needs to be adjusted.

3. Homeowners’ Policies Don’t Include Flood Insurance

Your standard homeowners’ insurance policy is important for protecting your home, but it’s not going to cover flooding in most cases. You’ll need a separate policy for that, and your agent can help you determine whether you have coverage for floods.

If you want to ensure you have an excellent flood policy and the right type and level of protection for your Tucson, AZ area home, The Insurance House can help. Reach out to us today, and we’ll work with you on a policy that gives you all the value and protection you want and deserve.

What Arizona families need to know about life insurance

If you and your family live in the Tucson, AZ metro area, it’s time to contact the team at The Insurance House. We provide all lines of insurance, including a range of life policy types. If it’s time to protect your family, give us a call today.

Understanding life insurance in Arizona

When it comes to life insurance, choosing the policy that is right for your family’s needs can seem confusing, and even stressful at times. There are a few basics that can help you make the right decision. For example, how much coverage do you need? The answer to this question often hinges on:

  • the current financial situation of your family
  • whether both spouses work outside the home
  • the age of your children
  • the level of financial security that you want your survivors to enjoy

Family status can factor quite a lot into determining how much and what type of life insurance you may need. Adults who do not have children, or those with grown children, may only need a policy to cover burial expenses. Others may have young children and want to make sure that they are provided for, no matter what the future may hold.

It’s important to calculate the correct policy amount for your specific situation, bearing in mind that the amount of appropriate coverage can change over time.

Other considerations include choosing the type of policy, which will also depend on your future needs.

We can help you protect your family

The Insurance House is proud to serve the insurance needs of the greater Tucson, AZ metro area. We strive to deliver excellence in all that we do! If you are looking for a partner to help you protect your family, call or stop by today!

Our Partners


  • American Modern
  • Austin Mutual
  • Badger
  • Bristol West
  • CBIC
  • Commonwealth
  • Encompass
  • Foremost
  • Hagerty
  • Liberty Mutual
  • Mapfre
  • Markel
  • Philadelphia
  • Progressive
  • Safeco
  • Secura
  • State Auto
  • The Hartford
  • Travelers