The Insurance House

2801 E Broadway,
Tucson, AZ 85716

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Avoid These Common Winter Auto Claims

Winter weather means snow, ice, and other challenges when you travel out of the temperate Tuscon area. If you are heading out to a part of the country that may present winter weather hazards, take precautions to avoid these common winter auto claims. These tips from The Insurance House can help protect your car and, perhaps, your safety.

1. Ice on the roads

Ice is actually more dangerous on the road than snow. Be sure that your tires are in good shape and properly inflated before you head out. If you know that the roads are icy, stay well below the speed limit to stay safe. If you hit a slick patch and start skidding, don’t slam on your brakes or jerk the steering wheel. Instead, just ease off the gas and gently steer into the skid.

2. Falling branches and tree limbs

Tree limbs and branches can become weighed down by snow and ice. Avoid parking your car underneath trees if at all possible to prevent tree branches from falling on your car. 

3. Collisions

When driving in snow and ice, you don’t only need to look out for yourself, you have to watch for other people as well. Pay close attention to other drivers and allow for extra stopping distance between your car and those of others. Stay well under the speed limit and be extra attentive in icy intersections to avoid collisions with other drivers. 

Despite your best efforts, sometimes things happen that are out of your control. If you have a winter weather-related problem with your car and you need to file a claim, contact the helpful folks at The Insurance House in Tuscon, Arizona. We will be glad to answer your questions and help you file a claim.

What doesn’t home insurance cover?

When you own a home, having a good home insurance policy is a must. You may think that you are protected against anything that can happen to your home when you have insurance. In Tuscon, AZ, like other places across the country, there are a few things that your home insurance doesn’t cover. At The Insurance House, we have the expertise to help you to choose the perfect home policy for your home and your budget. 

Home insurance doesn’t cover

  • Owner Neglect
  • Termite damage
  • Flood water
  • Mudslides
  • Earthquake
  • Sink Holes
  • Sewer backup
  • Expensive Jewelry

Owner neglect covers many issues. If your roof leaks because it was neglected, you are at fault, and your home insurance won’t reimburse you for the damage caused to your home.  

Termite damage is the result of homeowner neglect and won’t be covered either. 

Floods are one of the most damaging things that can happen to your home, and you need to purchase separate National Flood Insurance to protect your home. 

Mudslides are often the result of earth movement, which is another name for an earthquake, which is not a covered event. 

Sinkholes have become common in some areas, and they are usually not covered under a basic home policy. You may, however, be able to buy an additional add-on to your policy. 

Sewer back up is not covered under standard home insurance. A few companies do offer an endorsement for an additional premium, and if this is something that could happen, it is worth looking into. 

Expensive jewelry is not covered with your home insurance. The amount that they will pay for jewelry is typically about $1500. If you own some high-priced pieces, you should consider a jewelry rider to protect you from theft or damage. 

Homeowners in Tuscon, AZ are lucky to have The Insurance House and their experienced staff to help walk them through the complicated world of home insurance. Stop by or give our office a call for a no-obligation quote or to discuss your home insurance needs. 

 

Our Partners


  • American Modern
  • Austin Mutual
  • Badger
  • Bristol West
  • CBIC
  • Commonwealth
  • Encompass
  • Foremost
  • Hagerty
  • Liberty Mutual
  • Mapfre
  • Markel
  • Philadelphia
  • Progressive
  • Safeco
  • Secura
  • State Auto
  • The Hartford
  • Travelers