Regardless of the immense experience a boater possesses in Arizona, its a good idea for everyone to keep abreast of safe boating tips and practices. New boat owners need to familiarize themselves with the boating rules and regulations before embarking on a mission on the water. From sustaining your boat to observing your crew’s safety, ownership comes with a lot of obligation after buying your first watercraft. At The Insurance House, we emphasize on keeping boat safety regulations, especially for Arizona residents, to minimize boat accidents and fatalities.
Safety boating tips to observe on a boating expedition
- Owning a boat safety kit. Anticipating for a contingency is not always possible, so be prepared in case you encounter them. If you are undertaking a journey on water, you are likely to subscribe to specific safety measures. Your boat safety kit should be kept on board at all times, no matter the size of the boat. These essential items should be in your safety kit: flashlight, first aid kit, whistle, fire extinguisher, life- jackets, and possibly a flair.
- Enroll in a safety boat course. Minimized accidents and death occur on boats when the operator has undertaken a safety course from a provider offering a class that meets U.S Coast Guard-recognized national standards. You may even qualify for reduced premiums if you complete a safety course successfully.
- Avoiding boating under the influence of drugs: Boating under the influence of drugs affects one’s concentration and ability to operate and therefore increases the incidences of accidents and fatalities. Effects of alcohol are greatly aggravated by exposure to sun, noise, and vibration.
- Boat overload. Ensure that you observe your boat’s carrying capacity confinement. Overloading your boat with a crew or any luggage can make it unstable hence capsizing could be imminent.
With all the dangers that come with boating, it’s a good idea to have boat insurance in Arizona. For more information, visit the Insurance House in Tuscon, AZ.
If you’re new to living in Tucson, AZ, or about to move there, you may not realize just how often floods occur in the state. There are a large number of floods in desert areas like Arizona. For this reason, you’ll want to get flood insurance early on from a reliable company such as The Insurance House.
The Danger of Floods in Arizona
Much of Arizona is considered to be in a 100-year flood zone. In such dry places, the water has nowhere to go in the low-lying areas where there’s little rainfall. Since homes are at low elevation to zones, many are at risk of damage from flooding.
Though the National Flood Insurance Program offers coverage for losses after flooding, the private insurance market often can provide coverage for certain risk situations and provide homeowners with better coverage.
The Truth About Home Insurance and Flood Insurance
The majority of home insurance policies don’t include any flood insurance in them. It’s important to seek this out separately if you live in a spot that’s considered to be a designated flood plain as your mortgage company can require this. Besides, it’s just plain good sense to have this coverage in place to protect your home and belongings within it.
Since there can be devastation when a natural disaster strikes and you don’t want to be unprepared, shop around for policies right away if your homeowners’ insurance doesn’t include this.
Assistance from Expert Insurance Agents
The Insurance House of the Tucson, AZ area can help you to get the right coverage for your needs. An agent is available to discuss your concerns and find out what level of insurance would be ideal. Contact us today, and we’ll be glad to talk through your options.
We all have our preferences when it comes to life insurance. If you have no dependents like a wife, children, parents, young siblings, or grandparents, life insurance for you may not be a priority. However, if you are in a condition where you could impose financial hardship on others, then you should think critically about life insurance. At The Insurance House, we recommend buying life insurance as early as possible when you have fewer responsibilities. So, when should you get yourself a life insurance policy? Let’s find out.
You are getting married soon or just got married
Now that you are no longer single, it is essential to start planning on building long-term financial security with your partner. Marriage is full of responsibilities; you want to make sure that both you and your spouse are financially secure when one of you is no longer there.
You are planning to have children or just welcomed one
If you are thinking of enlarging the family, you should also think about their future and how you can safeguard it. Think about their health, education, shelter, and expenses, can they sustain themselves once you are gone? Life insurance can help take care of this, even if your spouse is working. Therefore, as you pay attention to a new home or a new car, think about life insurance.
You just became a homeowner or will soon be
One of the most fulfilling financial experiences is owning a home. Are you planning to buy or build a house in Tucson, AZ? Well, congratulations in advance! However, think about a scenario when your paycheck disappears, and you have no income to sustain your family or just discovered you have a severe health condition that commands a lot of money to be treated. Life insurance is an excellent way to sort your troubles.
As we have seen, different lifestyle changes call for different insurance needs. An insurance expert at The Insurance House in Tucson, AZ can help find a policy that is professionally customized to fit your needs and budget. Contact us today!