The Insurance House

2801 E Broadway,
Tucson, AZ 85716

Get Directions

The Ins and Outs of Umbrella Insurance

There are many ways to protect yourself, your assets, and your loved ones through various insurance policies. But what if the coverage limits on the policies you have aren’t quite enough? To have additional protection, you’ll need an umbrella insurance policy, and if you’re in the Tucson, AZ area, the trusted professionals at The Insurance House can help you get a policy that meets your needs. Then, you’ll have additional coverage and plenty of peace of mind.

It’s important to know that an umbrella policy isn’t designed to cover just one specific aspect of your life or any particular asset. It’s not like life, car, or homeowners insurance. Instead, it’s a policy that’s used after the limits of your other policy have been exhausted. If you have a claim higher than your car insurance’s limits, for example, you can use your umbrella policy to cover the rest of it. These policies aren’t just for people with many assets, as they can offer significant protection to nearly everyone.

Policies aren’t typically challenging to get and are highly valuable when you need them most. If you’re unsure whether this kind of coverage would be right for you, working with a trusted agent can help you make an informed decision. Then, you’ll know whether you should choose a smaller or larger policy, the specifics of what it will cover in your situation, and how it protects your interests.

If you’re in the Tucson, AZ area and interested in an umbrella insurance policy, contact us at The Insurance House today, and let’s talk about your policy needs. We’ll answer your questions and help you find the right insurance to protect you and give you a feeling of security for the future.

Does Tucson, AZ Auto Insurance Cover Sandstorm Damage?

Tucson, AZ is a gorgeous place to live, with 300 days of sunshine and a rich array of beautiful landscapes, like the nearby Santa Catalina Mountains. However, the landscapes that make this city and state so pretty also create the conditions right for damaging natural events like sandstorms, also called dust storms or haboobs. 

How Dust Storms Damage Cars

Dust storms can be horribly damaging to vehicles, causing issues like:

  • Paint damage
  • Windshield damage
  • Physical damage to the exterior, like dents 
  • Mechanical damage to the engine 
  • Electrical damage 

Getting Auto Insurance for Sandstorm Coverage

It is important to note that not all types of auto insurance will cover sandstorm damage. For example, if you have collision insurance, your policy will cover damages caused by an automobile accident. However, you can get sandstorm damage covered with an auto policy if you get a comprehensive auto insurance policy that lists this as one of the types of natural disasters covered. 

As with any auto insurance policy, the best way to ensure you get the protection you want is to consult a friendly insurance agent like ours at The Insurance House. We will work with you to get the exact type of coverage you want and need and go over all the policy’s terms and conditions so that you know exactly what your premium payments are going towards. 

Learn More With The Insurance House

Whether you are looking to insure a car you just bought or are shopping for more affordable options, our team at The Insurance House is here. Call us today to learn more about auto insurance options and get the best one for your Tucson, AZ household. 

Four Factors That Can Affect Your Boat Insurance

Although you’re not legally required to carry boat insurance in the state of Arizona, boat owners must do it anyway. After all, even careful boaters can get involved in accidents, and the right insurance will protect you from liability.

However, part of being a responsible Tucson, AZ boater means reviewing your policy frequently and understanding which factors can affect it. We at The Insurance House can help you make sense of the details, but in the meantime, here’s a list of examples to be aware of.

1. How You Use Your Boat

What you use your boat for matters regarding your insurance costs and coverage. For example, a boat owner who uses their vessel to tow parasailers or water skiers will likely be looking at higher rates than someone who uses their boat for recreational sailing or the occasional weekend spent fishing.

2. Safety Equipment

The more seriously a boater appears to take boating, the more benefits they’ll likely see regarding their policy or any claims they need to make. Every boater should ensure options like lifejackets (one per person), flotation devices, first aid kits, and similar items are onboard at all times.

3. Driving Records

Naturally, insurance providers will look at your boating history for clues about your responsibility. They’ll look at whether you’ve taken safety classes. They’ll also investigate whether you’ve made previous claims (and what type). But don’t despair if you’ve never owned a boat before. A clean driving record can be as beneficial as a positive boating history.

4. Where You Boat

Where you enjoy your boat matters, as well. For example, a Tucson, AZ boater who generally stays inland (as opposed to boating off the coast) represents a lower risk, so they’ll enjoy the benefits of that. The type of boat they own can further affect this factor.

Knowing the shot from every angle is essential before making big decisions about your boat or policy, so always discuss things with a professional insurance agent first. We at The Insurance House can help! Get in touch today, and let us know what we can do for you.

Do I really need flood insurance if I already have homeowners insurance?

Homeowners insurance from us at The Insurance House is a must for anyone who owns a home, but do you need to add flood insurance on top of that? The answer is a resounding yes! While homeowners insurance will cover most disasters, floods are not typically included. If your property here in the Tucson, AZ area is damaged by flooding, you will have no coverage unless you add flood insurance. 

Many things, including heavy rainfalls and snow melt, can cause flooding. It can also occur due to blocked drainage systems or broken levees. Floods may damage your home and your possessions, including furniture and electronics. All of this could cost thousands of dollars in repairs and replacements, so it makes sense to purchase flood insurance to ensure you are protected from such disasters.

Even if you don’t live in an area prone to flooding, taking precautions against potential water damage from rising water levels or flash flooding is still important. Flood insurance can provide peace of mind knowing that your most valuable asset — your home — is covered in case of a natural disaster. 

Ultimately, purchasing flood insurance on top of homeowners insurance is essential for any homeowner to protect their property and pocketbooks from unexpected floods.

For more information or to find a flood insurance policy that is right for you, call us at The Insurance House today. We are proud to serve the Tucson, AZ area and would be glad to help you find a policy that meets your needs and budget.

The Difference Between Term and Whole Life Insurance

When you contact The Insurance House for a life insurance policy, you might experience a surprise when your insurance agent asks what kind of life insurance you want. That’s because life insurance offers many options, boiling down to whether you want whole life insurance or a term policy.

Whole Life Insurance

Typically, individuals over the age of 30 years choose whole life insurance. For a small premium payment each month or quarterly, a whole life insurance policy covers them for accidental death and death by natural causes. The policy remains in force as long as the individual pays the premiums. That means you could purchase a whole life policy at age 31, and as long as you pay premiums on it, it will pay your beneficiary when you pass away, even if that occurs when you’re 101 and living in a retirement home in Tucson, AZ.

Term Life Insurance

Individuals under the age of 30 typically choose term life insurance. They purchase a policy upon graduation from high school or college and pay the monthly premiums for the term of the policy. These terms or periods range from 10 years to 40 years. The policy only pays in the event of the person’s death if they remain current on their premiums and pass away during the coverage term. That means if you purchase a 10-year term life insurance policy at age 18, then pass away at age 27 in an accident, as long as you remain current on the premiums, the policy pays your beneficiary. On the other hand, if you don’t renew the term policy and pass away at age 29, the policy does not pay because it wasn’t in force at the time of your death.

Why Choose Term Over Whole as a Young Person?

Term policy premiums cost a little less than whole policies. Insurance agents recommend that young people choose the term policy to save money on their monthly premiums, then deposit the savings – the difference between the cost of the whole premium and the term premium – into a savings or retirement account.

Contact Us Today for a Life Insurance Policy

Contact The Insurance House for more information on your life insurance options. Let us help you find the perfect policy for your situation.

Two Types of Bonds Insurance: What You Need to Know

If you have a company or are just starting your business, consider getting bond insurance to protect yourself and your assets. This insurance will give your company more flexibility in meeting financial obligations. With bond insurance, you will also have more opportunities to improve your balance sheet. If you are considering getting it, here are the two main types of bond insurance you should consider. 

What Are the Types of Bonds Insurance?

The types are the following:

  • Surety bond. It is a contract between three parties: the surety (insurance company), the principal (you or a customer), and the obligee (the entity that requires a bond). The purpose of this bond is to provide a financial guarantee to the obligee that the principal will fulfill their obligations. Depending on the type of the surety bond, these obligations could mean meeting the terms of contracts, complying with state or federal laws, and more. 
  • Personal bond. It is defined as an agreement by the defendant that they will return to court for all the hearings and proceedings as ordered. 

The Insurance House – Reliable Insurance Agency In Arizona

If you live in Tucson, AZ, or any other nearby towns or areas, and you are shopping for bond insurance, do not hesitate to contact The Insurance House. Our insurance agency specializes in different types of insurance, including bond insurance as well. Whether you want to know more about this type of insurance or need help choosing the best policy based on your insurance needs and budget, we are here to help. We work with clients in Tucson, AZ, and other towns nearby. Feel free to visit our website or call us for more information. 

Why You Should Purchase Umbrella Insurance

Umbrella insurance is a form of liability coverage that protects policyholders from liability claims exceeding their current coverage. Anyone in need of umbrella insurance who lives in or around the Tucson, AZ, area can count on The Insurance House to provide superior insurance products and customer service to meet their needs.

Umbrella Insurance Protection 

Umbrella insurance offers protection against liability claims for individuals with specific circumstances requiring more liability coverage than their current home policy provides. The situations may result from particular hazards or potential risks associated with the location or features of the property. Clients may need clarification on whether their situation warrants umbrella insurance, but if it does, a professional insurance agent can outline an umbrella policy’s potential risks and benefits. Anyone interested in purchasing umbrella insurance or asking whether it is suitable for their needs should consult an insurance professional.

Our agents can work closely with each client to determine their current situation and assess their liability coverage needs. If umbrella insurance is necessary, they can help outline coverage levels and policies to meet those needs. Our agents can also help submit documentation and information to acquire the policy, help with any changes to the policy, and submit documentation for claims. We are committed to assisting customers with insight and support before, during, and after the policy purchase.

Reach Out Today 

Residents of the Tucson, AZ, area can count on The Insurance House to give them the options and insurance products they need to have peace of mind. Call or stop by our office today to speak to one of our knowledgeable team members. They can assist with providing information and the shopping process to ensure you get essential coverage to prevent liability and losses.

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. 

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