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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.  

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.