The Insurance House

2801 E Broadway,
Tucson, AZ 85716

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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.

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!

Pontoon Boats and Insurance: Your Protection

The Insurance House, serving Tucson, AZ, can provide unique pontoon boat insurance for many clients. Understanding your option is critical as it can provide you with the unique ability to protect your boat without costing you too much money in the process. 

How Pontoon Insurance Works 

Pontoon boat insurance is not majorly different from your traditional or standard boating option. However, it is designed specifically for pontoon boats. These large watercraft are usually over 20 feet long and provide you with a fun and engaging experience when on the water. 

Your policy will be decided based on the quality and value of your pontoon boat. For example, if you have a $50,000 boat, you’ll need a policy that covers that replacement cost. You’ll also get an adjusted policy type based on various other factors, such as how often the boat gets used. 

Coverage Types 

Pontoon boat insurance falls under the same basic headings as boat insurance. For instance, you’ll have liability protection that keeps you safe if you cause any injuries to others. The extent of this coverage will vary, so make sure that you check your policy to make sure you get what you want. 

You can also get comprehensive policies to pay for things like replacing your boat if it gets stolen or totaled, repairing damage caused to your boat in an accident, repairs to other people’s property, and much more. The options vary depending on your coverage need. 

You Can Find a Great Policy 

If you need coverage for your pontoon boat and need a company you can trust, don’t hesitate to contact us at The Insurance House today to learn more. Our team can cover your Tucson, AZ pontoon needs and will do what they can to help you.

Your Flood Insurance Options

Flood insurance is not always optional and can put you in a good financial position if you get ahead of it. But even when you do not need flood insurance, you might want to look into it if you live in an area at any risk of flooding, not just high risk.

Flood insurance can cover damage to your house or to your valuables in case of a flood. If you live in a high-risk area, you might need flood insurance at least once in your life. The Insurance House in Tucson, AZ proudly flood insurance quotes for people living in Arizona. We can give you several quotes from different providers so that you know that you have different options for yourself. 

Home mortgage

If you live in a high-risk area for flooding, you might not be able to get a mortgage for your home without flooding insurance due to the high risk of flooding and flooding damage. You might need to keep flood insurance until you have paid off your mortgage payments.

At the same time, you do not want to leave yourself out dry, and you should always consider flood insurance if you live in a high-risk area, even if your mortgage payments do not require you to do so anymore. 

Whether you already have floor insurance or you are looking into it now, we can help you review or get new flood insurance. Our agents can walk you through your options and discuss with you what type of coverage you need. If you live in Arizona, call The Insurance House in Tucso,n AZ. Call us or request a quote on the website. 

Life Insurance Coverage Options

Not many people want to think about their death — but the last thing you would want to imagine is leaving your loved ones in a financial slump upon your demise. For this reason, you need to invest in life insurance from The Insurance House.

But do you know that life insurance is broad? Yes, there exists more than one type of life insurance plan. But don’t be worried about the many life insurance coverages — we are here to advise you on the one that falls within your financial plan.

Here are some life insurance coverages to consider.

Term life insurance

This policy is active for a certain period. If you die, your beneficiaries get a death benefit. The death benefit can be paid as a lump sum, monthly payments, or annuity. However, if you survive within the period of the policy, the payout is lost.

Whole life insurance

It’s a type of permanent life insurance plan because it doesn’t expire. It remains active throughout your lifetime as long as you service your premiums. Upon your death, your beneficiaries get a death benefit. However, it accumulates a cash value that can supplement your retirement income when alive.

Universal life insurance

It accumulates a cash value and has a death benefit, just like the whole life insurance plan. The only difference is that you can alter your premiums and death benefits without getting a new policy.

The above are the most common life insurance plans, but other variations include:

  • Variable life insurance
  • Indexed universal life insurance
  • Variable universal life insurance

With so many life insurance coverages, choosing the ideal one can be confusing. However, this doesn’t have to be the case when you partner with The Insurance House in Tucson, AZ. We will explain the different life insurance plans and offer advice on the ones that suit your lifestyle and budget. Contact us or visit our offices today to get started.

Umbrella Insurance and Your Business Liabilities in Arizona

Umbrella insurance is a coverage that anybody can get to help protect them from financial liabilities in the event that their insurance is capped out on a claim, or they are the subject of a lawsuit. It is often umbrella insurance that complements a home or auto insurance policy.

Umbrella insurance is also often used in business for the same purposes. At The Insurance House, we want Tucson, AZ business owners to have the insurance they need to protect them from financial loss.

Why Your Business Needs Umbrella Insurance

It only takes a minute in your life for your business to close permanently because of a lawsuit. In today’s world, you never know what could happen. A slip and fall that caps out your commercial insurance or an auto collision that maxes out your commercial auto insurance could ruin you.

Worse, the wrong thing said about you could have you in court defending yourself with exorbitant costs.

All of these accidents and liabilities can be covered by umbrella insurance.

What Umbrella Insurance Can Cover for You

When it comes to problems in business today, you have everything to lose. Umbrella insurance can cover a variety of expenses that you may not have even thought of. 

Umbrella insurance can cover the following rising costs in today’s world:

• Out of pocket legal bills and settlement expenses
• Medical costs 
• Vehicle repairs and replacements

You may not be expecting legal bills, but they can happen today over anything. Today’s settlements for an accident or even defamation are often adjudicated in the millions. You want to avoid that.

You already have liability coverage in your commercial policy. Umbrella insurance simply enhances that and provides more coverage.

Protect Your Business

When you have a business in Tucson, AZ, you should consider umbrella insurance. It will complement your existing coverage, and give you peace of mind. Call The Insurance House for a quote to protect your business 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