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Umbrella insurance is a coverage that anybody can get to help protect them from financial liabilities in the event that their insurance is capped out on a claim, or they are the subject of a lawsuit. It is often umbrella insurance that complements a home or auto insurance policy.

Umbrella insurance is also often used in business for the same purposes. At The Insurance House, we want Tucson, AZ business owners to have the insurance they need to protect them from financial loss.

Why Your Business Needs Umbrella Insurance

It only takes a minute in your life for your business to close permanently because of a lawsuit. In today’s world, you never know what could happen. A slip and fall that caps out your commercial insurance or an auto collision that maxes out your commercial auto insurance could ruin you.

Worse, the wrong thing said about you could have you in court defending yourself with exorbitant costs.

All of these accidents and liabilities can be covered by umbrella insurance.

What Umbrella Insurance Can Cover for You

When it comes to problems in business today, you have everything to lose. Umbrella insurance can cover a variety of expenses that you may not have even thought of. 

Umbrella insurance can cover the following rising costs in today’s world:

• Out of pocket legal bills and settlement expenses
• Medical costs 
• Vehicle repairs and replacements

You may not be expecting legal bills, but they can happen today over anything. Today’s settlements for an accident or even defamation are often adjudicated in the millions. You want to avoid that.

You already have liability coverage in your commercial policy. Umbrella insurance simply enhances that and provides more coverage.

Protect Your Business

When you have a business in Tucson, AZ, you should consider umbrella insurance. It will complement your existing coverage, and give you peace of mind. Call The Insurance House for a quote to protect your business today.

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. 

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!

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. 

 

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.