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Tucson, AZ 85716

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3 Top Benefits of Flood Insurance

Being home to rivers like Verde, Salt, and Gila, the flooding threat is never far for Arizona residents. River, flash, and coastal floodings can happen unexpectedly, putting many homes in danger. And because typical home insurance doesn’t cover damages, homeowners could be left counting unimaginable losses when floods damage their homes. So, what’s next? If you have a home in Tucson, AZ, and the nearby areas, you need flood insurance from The Insurance House to protect your investment. Here are the benefits you accrue when you buy flood insurance.

Protects your property

How much does your home cost? It’s probably thousands of dollars. Given that your home is one of the most expensive investments you have, you need to protect it from flood damage to avoid financing costly repairs from your pocket. 

Flood insurance pays damages to your roof, walls, floor, and other permanent fixtures to your house when floods strike. Flood insurance, through the NFIP, covers your home up to $250,000 and personal assets up to $100,000, but you can increase this coverage at an additional premium. 

It gives you peace of mind.

Weather can be unpredictable. Floods can occur without warning, causing significant damage to your building and the contents inside. Instead of worrying every time the weatherman mentions a looming storm, purchase flood insurance for year-round peace of mind.

To protect your loved ones.

Home is a safe haven for your loved ones and pets. If floods strike today, your loved ones are faced with the prospect of becoming homeless or renting an apartment. If you cherish your home and loved ones, purchase flood insurance to ensure that you can quickly get back on your feet even after flood damage. 

Buy flood insurance in Arizona.

Did you know that just five inches increase in water level may result in damages of up to $25,000? Flood damage can be catastrophic. That said, be wise and purchase a flood insurance plan from The Insurance House to protect your home. Contact our office in Tuscon, AZ today!

Why do I need life insurance?

In the Tucson, AZ area, it continues to be important that people spend the right amount of time thinking about their insurance needs. A form of insurance that all people need to get here is life insurance, which can offer good financial protection to the beneficiaries of a policy. There are a few reasons that people here will need to get life insurance.

You Need to Provide Financial Protection

The most common reason people in this area of Arizona are going to need to have a life insurance plan is to provide financial protection to others. If you have children, a spouse, or other people who depend on you and your income, it will be vital to provide them with financial support. If you were to pass away, the benefit in the life insurance plan could provide the support needed to maintain their life. You can build a plan to meet your specific needs, and it could be used to cover any form of expense.

You Are Looking for an Alternative Investment

You may also need to get a life insurance plan if you want to have an alternative investment option. Life insurance customers could choose to get whole life coverage. With these policies, some of your monthly payments will automatically go into an account that builds with interest and is accessible in the future.

You should always consider your life insurance needs if you are in the Tucson, AZ area. As you are looking for coverage here, it would be wise to call The Insurance House. The team with The Insurance House can help you figure out your policy needs. Contact us to get started with a quote and have your questions answered. 

 

Boat Insurance Myths To Avoid While Researching Policies

Based in Tucson, AZ, The Insurance House serves the community by offering residents a wide variety of policies. We want to help our clients plan for the future. For over 40 years, we have strived to provide excellent customer service.

Boat Insurance Myths To Avoid

During humid summers in Tucson, AZ, many people enjoy going out by the water to cool off and have a good time. If you enjoy exploring the waves in your boat, it’s important to have protection. Boat insurance will cover you if an accident occurs or an object hits your boat. If you have passengers on your boat, liability coverage protects you if someone gets injured or if your boat damages someone’s property. While you are researching coverage, avoid these common boat insurance myths.

I’m Covered Anywhere

This is a common misconception about boat insurance. Your policy will likely include a navigational limit. The navigational limit outlines the areas where you can operate your boat and still maintain coverage. If you operate your boat outside of the outlined navigational area, you will not be covered if you are involved in a collision.

I Can Just Add On Coverage To An Existing Policy

You will not be able to fully cover your boat if you attempt to add on coverage to your home or auto policy. Operating your boat comes with unique risks that only a comprehensive boat insurance policy can cover.

You Are Impacted By Natural Disasters Somewhere Else

This is incorrect. For example, as an Arizona resident, your boat insurance policy will not be impacted by severe weather in Texas or Florida.

The Insurance House Will Help You Enjoy Smooth Sailing

Visit our website today to learn more information about boat insurance.  

Will my life insurance policy cover income replacement if you become permanently disabled?

Most often, people assume that getting a life insurance policy is complicated. But getting a policy that meets all your needs isn’t so difficult. Our agents at The Insurance House in Tucson, AZ, will walk you through the process, ensuring that you are in the know of every detail. Here are a few essentials of life insurance that you need to know.

Life insurance basics

A life insurance policy grants you the peace of mind you need to go through life by giving you protection on the life you are building on and that of your loved ones. Should you pass on, your loved ones are assured of tax-free benefits.

Types of life insurance policy

Term life insurance

This runs within a specified period of time, usually between 1 to 30 years. This can be renewed once the policy lapses. Payments can be arranged to be paid when the funds are required, such as children’s graduations.

Permanent life insurance

  • Whole life insurance – This is where you pay a fixed premium where a fixed lump sum is paid upon your demise. The cash value is accumulated during your lifetime.
  • Universal life policy – This offers a flexible premium and death benefit. You are in a position to change your monthly premiums should your financial position change over time.

Will my life insurance policy cover income replacement if you become permanently disabled?

In case of permanent disability, you must discuss this with the agents from The Insurance House as not life insurance policies cover permanent disability. For more information on life insurance, please visit our website or talk to The Insurance House agents in Tucson, AZ who will guide you to a policy that best meets your needs.

A life insurance policy does not cover income replacement because of disability as benefits are paid upon the insured’s death. However, it is possible to request the insurance company to add an additional rider to your policy, hinging against disabling medical conditions. An accelerated death benefit rider can also be added, which allows you to use your all or part of all your benefits should you face a chronic illness or become disabled.

Feel free to speak to The Insurance House agents in Tucson, AZ should you require additional riders to your life insurance policy or visit our website for more information.

Four Boating Safety Tips For your Next Outing

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.

When Is Flood Insurance Required in Arizona?

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.

When is the best time to buy Life insurance?

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!

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