Category: Home Insurance

Umbrella Insurance: Enhancing Your Homeowner’s Insurance Coverage

Homeowner’s insurance policies can cover many different things. However, it’s wise to thoroughly review each policy to spot any potential gaps or limitations. If there are aspects that raise concern, an umbrella insurance plan might be the solution you need to increase your coverage. For more information on umbrella insurance, please feel free to contact The Insurance House, serving Tucson, AZ.

Key Points to Know About Umbrella Insurance

In most cases, umbrella insurance is optional. While some forms of insurance, like auto insurance, are often mandatory, umbrella insurance is usually flexible. Nonetheless, it’s frequently advisable to secure umbrella coverage to mitigate risks. Most often, umbrella insurance plans can expand coverage for home, auto, boat, and RV insurance.

Umbrella insurance policies can often be customized to cover specific concerns. For instance, civil lawsuits are increasingly common in recent years. As a property owner, you might find yourself liable for the medical bills of individuals who were injured on your property. An umbrella policy can potentially offer protection against such legal cases. However, reviewing each insurance plan is crucial to understand what’s included and what’s not.

Compared to their vast coverage, umbrella insurance plans are often charged affordably. It’s smart to evaluate each plan in detail to determine how much protection it offers for you and your family. For further information about umbrella insurance or help in selecting coverage, don’t hesitate to contact The Insurance House, serving Tucson, AZ.

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.