The Insurance House

2801 E Broadway,
Tucson, AZ 85716

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Required Auto Insurance in Arizona

When you have a car in Arizona, it’s important to insure it for your protection as well as the protection of others. It’s also legally required to have this coverage, so don’t go without it. If you need auto insurance, call us at The Insurance House in Tucson, AZ. 

Bodily Injury Liability

In Arizona, your auto insurance must have a specific amount of coverage for one person who is injured in an accident that you are liable for. It also has another amount required for everyone who is injured in an accident. These coverage amounts are relatively low, however, so it’s a good idea to consider raising this coverage or getting an umbrella policy to supplement it.

Property Damage Liability

There is a small amount required for property damage liability. Like the bodily injury coverage, it’s a good idea to get more of this than is required. If you were to have an accident with an expensive car, the required amount of coverage may not be enough to pay for all of the damage. 

Uninsured Motorist Bodily Injury  

With this coverage, an accident that you have with an uninsured motorist can still be paid for. It will pay for your medical bills if someone else is responsible for an accident and they do not have insurance to pay for those bills. This includes a minimum amount of coverage for one person injured in the accident and a higher amount required for everyone who becomes injured. 

Underinsured Motorist Bodily Injury

A driver may have insurance, but it may not be enough to pay for all the damage and medical bills. With underinsured motorist protection, you will have a minimum amount of coverage for one person insured as well as another amount in protection for everyone who was injured. 

Get Your Auto Insurance

To get your required auto insurance, contact us at The Insurance House in Tucson, AZ.

4 Boat Insurance Add-ons to Consider

You have bought a boat in Tucson, AZ. Congratulations! There are not many things that beat the coziness of spending time on the water. However, as you have great times in the water, don’t forget one thing: boat insurance. Watercraft insurance protects you, your boat, and passengers from boating accidents that can cause unspeakable damages. 

While buying insurance is one thing, do you know add-ons to consider to get the best out of your coverage? If not, hang on as The Insurance House guides you on add-ons to consider for your boat insurance.

Comprehensive and collision coverages

Think about the hard work you have put into owning your boat. It’s massive, right? Having said that, you need boat insurance to safeguard your prized asset when perils like accidents, falling objects, theft, fire, and other risks occur. In addition, boat insurance covers repairs and even replacing your boat when a total loss occurs. 

Liability coverage

While boat accidents aren’t as common as vehicular accidents, boating accidents still happen. And when you are deemed liable for a boating accident, you could face property damage, bodily injury, and possible legal claims. Without liability coverage, you could face significant out-of-pocket expenses. 

Medical payments coverage

Every day, medical costs in America are on the rise. While you may comfortably afford out-of-pocket medical costs for minor injuries, it’s for severe accidents that you need MedPay coverage. This coverage comes in handy, especially when you don’t have health insurance, by covering medical expenses for you and your passengers following a boat accident.

Uninsured boater coverage

This insurance coverage saves the day when you collide with another boater without coverage. Unfortunately, since boat insurance isn’t mandatory in Arizona, it’s not uncommon to encounter uninsured boaters. However, if you have this coverage, it covers medical costs and property damage inflicted by uninsured boaters.

Buy boat insurance today!

Do you own a boat in Tucson, AZ? It’s time to protect your investment with boat insurance from The Insurance House. All you need is to contact our team for an affordable quote. 

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. 

 

Examining The Benefits Of Bonds Insurance

Based in Tucson, AZ, The Insurance House offers coverage to the local community. For over 30 years, we have helped our clients find the coverage they need to protect what matters most. We want to promote a family atmosphere and help our customers feel as comfortable as possible.

The Benefits Of Bonds Insurance

Bonds insurance helps you operate your Tucson, AZ business efficiently. Bonds insurance can help you find investors willing to support your plan to raise capital.

The policy guarantees that policyholders will receive repayment in full along with accrued interest. Bond issuers have the ability to improve their credit. The bonds also become more attractive to potential investors.

If your company is still seeking creditworthiness, bond insurance is an asset. Bond insurance helps minimize risks, which means lower interest rates. Bond insurance makes it easier for you to find investors.

Bonds insurance provides a layer of security when you issue bonds. The policy includes full transparency. It directly outlines the terms regarding the payment schedule so that the bondholders are fully aware. Bonds insurance helps stabilize your company’s credit rating. The policy also includes a guaranty. Having bond insurance makes it easier for an investor to look at the potential risks before deciding. Also, keep in mind that prospective investors will likely analyze the bond’s underwriting to see any collateral protection.

Once you start researching coverage, be sure to check your credit rating with the Better Business Bureau. If a potential issue regarding the default arises, bond insurance will ensure that your business is protected.

The Insurance House Will Guide You Through The Process

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

Why do you need umbrella insurance in Tucson?

Those that live in the Tucson, AZ area are going to have a variety of insurance needs. While you will benefit from coverage that can protect your most important assets, you also need to ensure that you have proper liability insurance protection. When you want to improve your personal insurance situation, getting an umbrella insurance plan would be a great option. There are a few reasons why you need to get this coverage.

Protection Against Major Accident Risk

Most people will get liability insurance through their home and auto insurance plans. In the majority of cases, there will be enough coverage under these plans to handle any claims. However, if there is ever a very significant insurance claim, it’s possible it could exceed your policy. When you get an umbrella insurance plan, it will provide the coverage needed to cover damages that exceed your other insurance plans.

Protection Against Risks Not Otherwise Covered

A home or auto insurance plan will cover many liability risks, but they are not completely inclusive. This means that you could be named in a liability claim that is not covered by these policies. Fortunately, you can get an umbrella insurance plan that will provide the general coverage you need to mitigate your personal liability insurance risks that are not otherwise covered. 

When you are looking for an insurance plan and are in the Tucson, AZ area, you should speak with The Insurance House. The insurance team with The Insurance House knows how valuable the umbrella insurance plan is. The team here can give you the insight that is designed to meet your needs. This can ensure that you are properly covered for liability and make you feel secure about your liability limits.

 

Why should I get an auto insurance plan?

The Tucson, AZ area continues to be a great place for people to visit or move to and call home. There will always be a lot that you can enjoy in the city and surrounding areas when you live here. As you are looking for ways to get around, buying a car is a great option. Along with your vehicle purchase, you also need to pick a new insurance plan. There are a few reasons that you should get auto insurance when you are here. 

Insurance is a Legal Requirement

A primary reason to get an auto insurance plan is that it is a legal requirement. Those that live in this state need to abide by state rules surrounding auto insurance. Anyone that wants to drive a car here needs to get a full liability auto insurance plan. This coverage gives comfort that you will pay for damages if you cause some during an accident.

Insurance Protects Car

While having an auto insurance plan is important to ensure that you stay in compliance with state law, you should also get one to protect your car. Those who have decided to buy a car will make a major investment that they need to protect. When you get a full auto insurance plan with collision and comprehensive coverage, you will have the protection needed to repair or replace your vehicle following an accident.

Those who would like to get an auto insurance plan in the Tucson, AZ area should speak with the Insurance House team. When you call The Insurance House, you will get the support needed to choose a policy. This will ensure your car is protected and you are in full insurance compliance. 

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.  

Protecting your home before a flood hits

Floods cause a tremendous amount of damage every year in the United States. Changing weather patterns and climate change have meant that no area is safe. Having a trusted insurance agent is a significant factor in having peace of mind. The Insurance House in Tucson, AZ believes in a family-friendly approach to customer service, and with more than 50 years in business, we have perfected it. 

If a major flood hits your home, there is nothing you can do to prevent it. However, you can make sure that you have done everything possible to secure your content. 

Grade your property

Depending on where you live, your home may not have a basement and is built on a cement slab. Grading your landscaping so that water does not pool near your foundation or slab is a preventative measure. 

Gutters

Gutters can become clogged, which does not allow water to travel freely through them to downspouts. Make sure your gutters are clean and the downspouts are directing the water away from your home. 

Move important items

Make sure that if you have a second story, you move important things as high as possible. Even if it is not a second story, if you have any kind of attic, get as much up and safe as possible. 

Keep systems above potential flood levels.

Know the potential for flooding in your area and the worst-case scenario. Ensure that your airconditioning unit, the electric box, and any systems possible are located above the highest known level. They should be on concrete slabs or pressure-treated wood. 

No one wants to think about their home flooding, but being proactive can save you much potential damage. If you want to learn more about flood insurance, at The Insurance House in Tucson, AZ, we have answers for you. Stop into our office or give us a call.

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.

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