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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, 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.

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. 

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.