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.
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.
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.
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.
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!
The Insurance House is proud to serve the Tucson, AZ community. For over 50 years, we have helped our clients obtain coverage that aligns with their unique needs. We work with multiple carriers throughout the state. This allows us to assist people regardless of their situations.
We look forward to serving you with integrity and excellent customer service.
Facts about Bond Insurance
As a Tucson, AZ investor, you’re constantly looking for new opportunities that allow you to maximize your return. Bonds insurance acts as a safety net. Bonds insurance protects you by securing the repayment of your capital and interest in the event of a default. If you are an issuer, adding bonds insurance can help attract new investors while enhancing your credit score. There are multiple benefits to this type of insurance.
As you pursue different opportunities, you’ll assess the creditworthiness of the person in whose project you plan to invest. If they have a lower credit rating, that is a clear sign that you would be making a high-risk investment. Volatile investments reduce the chances of you being able to receive full value on your return. Bonds insurance ensures that you will receive the appropriate return on your investment even if the issuer defaults.
If you are planning to issue a bond, having insurance prevents you from being held liable if your investors pursue legal action. Bonds insurance can prevent you from losing everything and damaging your reputation. Bonds insurance is generally mandatory during investments made between public and private companies.
The Insurance House Will Help You Protect Your Investment
Contact our office to learn more information about bonds insurance.
Residents in the greater Tucson, AZ area can count on The Insurance House for all of their commercial insurance needs. If you own a local business and want to ensure that you have the right coverage, schedule a consultation today!
Benefits of commercial umbrella insurance
The most significant benefit of commercial umbrella insurance is the additional protection that it provides. Commercial and property insurance policies typically come with policy limits. This means that once your limit is reached and the policy is exhausted, the business owners are likely responsible for any additional losses.
When there is an umbrella policy in place, it moves into the primary position when the commercial policy is maxed out. Therefore, when there is an umbrella policy in place, coverage can shift seamlessly from the original commercial policy to the umbrella policy.
If you are unsure if your current commercial policy provides the coverage your company needs, now is a perfect time to review your policy. As a company grows and becomes more valuable, it is quite common that its insurance needs will also grow. Don’t wait until it’s too late to find out that your business doesn’t have the protection it needs!
Meeting with your local agent is an effective way to review your current coverage and compare it to your current needs. In fact, we find it advisable for business owners to have an insurance portfolio review at least once a year.
Don’t delay, protect your business today!
The Insurance House team is here to help the business community of Tucson, AZ with all of its insurance needs. If you would like to find out more about the commercial insurance options available in our area, call and schedule a consultation today.
Arguably one of the most beautiful states in the southwest, Arizona has views, scenery, and gorgeous sites that go on for miles. Taking a road trip through Arizona is a memorable way to see the state – but making sure you have auto insurance first is the smartest way to approach driving.
If you’re a Tucson, AZ resident and you need auto insurance, The Insurance House is here to help. Keep reading for some important information on auto insurance in Arizona.
In the state of Arizona, all drivers are required to carry liability insurance to drive legally. Liability insurance ensures that in the event of an accident, any damage done to the other driver’s vehicle, as well as their medical bills, are covered.
However, auto insurance can offer much more protection than this. If you have family, including new teen drivers, you may be interested in a full-coverage plan that offers a higher level of protection for your most important loved ones.
In order to ensure you and your family feel safe on the road, investing in an adequate auto insurance policy is highly recommended by The Insurance House. Many policies out there may seem to be enough, but they’ll wind up costing you much more long term as they don’t provide the coverage you really need.
The best advice we can give you is to find a reliable agent to work with, who has experience in the insurance field and can appropriately advise you on what kinds of coverage will really suit your lifestyle, driving habits, and family.
Enjoy the scenery in Tucson, AZ without worrying about your financial situation if you get in an accident. Contact us today!
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.
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.
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.
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.
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.
If you are a business owner, you have probably already purchased general liability insurance, workers’ compensation, cyber insurance, and all other types of commercial insurance that fit your business needs. However, have you ever heard or thought about bonds insurance? If not, The Insurance House serving clients in Tucson, AZ breaks down it for you.
What Is Bonds Insurance?
Bonds insurance is an agreement between three parties: the principal (the party buying the bond), the surety (the company that is writing the bond), and the obligee (the department requiring the bond). The purpose of bonds insurance is to provide financial stability or guarantee to the entity or company purchasing it.
How Does It Work?
It works just like any other type of insurance. If a business owner does not meet the requirements of a bond, a claim may be filed against the bond. This makes bonds insurance similar to a credit to the principal.
Types of Bonds
Different businesses need different types of bonds depending on their business purposes. The most common three types of bonds are the following:
- Permit or license bonds. Certain businesses or individuals may need these bonds in order to be able to operate legally. They are auto dealers, freight brokers, contractors, and others.
- Contractor bonds. This type of bond is for individuals or companies that are involved in public construction projects.
- Court bonds. Certain courts may also require bonds.
The Insurance House – We Help You Get Insurance You Need
If you are a resident of Tucson, AZ or any other nearby town, and you want to know more about bonds insurance, The Insurance House will be glad to answer all your questions. Our mission is to help our clients find insurance that will protect them, their business, and their belongings. You can visit our website or give us a call for more information.