The word “umbrella” in umbrella insurance aptly describes this coverage. Umbrella insurance can save you on a rainy day! When your typical insurance coverages run out, umbrella insurance from Old Pueblo Insurance in Oro Valley, AZ, can bail you out. Need to find out more? Keep scrolling.

Umbrella insurance explained

Umbrella insurance is the extra liability protection that takes over from where your boat, home, or auto insurance leaves off. And since lawsuits don’t have an off-season, you need umbrella insurance to protect you when accused of:

• Property damage
• Bodily injury
• Personal liabilities, including slander, libel, and false arrest

Besides, umbrella insurance helps you cover attorney fees, settlement fees, and other legal-related expenses.

Is umbrella insurance for the wealthy only?

The simple answer is no. Umbrella insurance is suitable for everyone because anyone in America can be sued. And since lawsuits can be expensive, you need umbrella insurance to protect your hard-earned assets. While umbrella insurance fits anyone earning a livelihood, you need it urgently if you are in the below circumstances because the likelihood of lawsuits is high. 

It would help if you had umbrella insurance if you:

• Own a dangerous pet that can cause injury (for instance, some breeds of dogs)
• Own a home, boat, or vehicle
• Participate in high-risk hobbies that can cause injury
• Chair a charitable organization
• Coach youth or kids’ sports

Lawsuits can mess with your finances. In fact, one significant case can wipe all your assets. For this reason, you need a friend – umbrella insurance – to protect the assets you have worked so hard to accumulate. 

Buy umbrella insurance today!

Lawsuits are always raining in America. As a result, you need umbrella insurance from Old Pueblo Insurance to cover yourself. If you are looking for this coverage, please contact us. Better yet, you can visit our Oro Valley, AZ offices to speak to one of our agents.

Whether you use your motorcycle as your primary mode of transportation or prefer taking it out for your weekend rides, insurance is essential in keeping you and other motorists safe while on the road. Below, Old Pueblo Insurance discusses the various motorcycle coverage options to consider getting for your rides around Oro Valley, AZ.

Property Damage Liability Coverage

Property damage liability coverage helps you pay for 3rd party costs of property damage after you are involved in an accident. If found liable for the damage, property damage liability coverage ensures that other parties get compensation for their repair and replacement expenses.

Bodily Injury Liability Coverage

Bodily injury liability coverage protects other motorists when you are found liable for their injuries. This policy pays for 3rd party costs of medical bills while also providing compensation for lost income after serious injuries occur.

Medical Payments Coverage

If you get bodily injury harm, medical payments coverage helps you pay for your costs of treatment. This policy also covers your passengers, ensuring all examination and medical bills are taken care of.

Comprehensive Coverage

Comprehensive coverage takes care of your motorcycle damage costs when you are involved in a non-collision accident. Instances that result in the use of this cover include vandalism, theft, hail, and fire outbreaks.

Collision Coverage

Collision coverage protects you when you get into an impact accident and will compensate you for your repair and replacement expenses. Collision accidents will often result from crashes with vehicles and motorcycles or objects such as buildings and poles.

Uninsured/Underinsured Coverage

If you get into an accident with an uninsured driver, uninsured coverage will pay for your costs of injuries and that of your passengers, ensuring you get the appropriate help. Underinsured coverage comes in handy when you are injured by an underinsured driver and will help you offset the resulting balance.

If you reside within Oro Valley, AZ, and need motorcycle insurance, consider getting in touch with Old Pueblo Insurance today. We provide motorcycle coverage suited to your riding needs.

Most people consider boat insurance necessary during the boating seasons. But what about the off-season time? Many boat owners cancel boat insurance to save money, but are they saving? The truth is that having boat insurance only during the boating season can be expensive in the long run. At Old Pueblo Insurance, we have prepared a rundown of why you need boat insurance all year round. 

Reasons why you need boat insurance all year through

We know that during winter, you will most likely park your boat in the garage. But should you cancel your boat insurance when you are not using your boat? Well, here are some of the common reasons why you should not cancel. They include:

• The financial lender may require: Boats for sure are expensive. There are high chances of you having financed your boat instead of buying it cash. In that case, lenders need to safeguard their investment all through the year. Therefore, as a boat owner, you require insurance all through the year if it’s loan-financed. 
• Some risks don’t go on holiday: Mother Nature has no off-season. Your boat is still vulnerable to natural disasters like vandalism, falling objects, fire, theft, and hurricanes, depending on your area. Having proper insurance all the year through can help deal with the repair or replacement cost in case of damage.
• It’s cheaper in the long run: It’s cost-effective to have boat insurance all year round. Why? You may ask. Most insurance agencies reward you with a reduced deductible each claim-free yearly, not to mention the loyalty discounts given when renewing annual policies.
• Out of water risk: Some risks quickly occur out of water. Risks like vandalism, accidents, or theft may occur at any time of the year, more so when the boat is parked. Having insurance all year round will help ease such costs. 

Boat insurance in Oro Valley, AZ

If you are a boat owner and consider getting the insurance only during the boating season, think again. The above reasons are good enough to have you carry your boat insurance throughout the year. At Old Pueblo Insurance, we will help you get the best insurance coverage that suits your need at an affordable rate. Contact us today to safeguard your investment.

Despite having both home and flood insurance policies, many people in Oro Valley, AZ, end up having their claims rejected for not knowing the difference between the two. So, how do you know if you have suffered a flood or water damage? While water does the same damage, water that floods your home is not always directly caused by floods. At Old Pueblo Insurance, we recommend asking your insurer to explain what qualifies flood damage to avoid filing the wrong insurance claim.

What is water damage, and what causes it?

Water damage is usually caused by man-made controlled activities like a tap left open, plumbing problems, broken pipes, flooded air-conditioning unit, or overflowing washing machine. For instance, if you left your taps open and the water failed to drain correctly, it could flood your home and cause damage to your carpeting, electronics, and appliances. Water damage is easier to fix because you only need to find where the fault is and fix it.

Examples of water damage include:

· Rain that enters your home through a leaky roof

· Kitchen that floods due to burst pipe

What is flood damage, and what causes it?

Flood damage is simply damage that is caused by a flooding event. In simple terms, it must rain more than enough to cause a flooding event. This can be a hurricane or a natural disaster where the downpour is too much and happens in a short period of time.

Examples of flood damage include:

· A river that breaks its banks and enters your home.

· Rain that enters your basement and cannot be absorbed by the ground.

Note that heavy rains don’t have to cause floods. If the water enters the house through open windows or a damaged roof, it is considered water damage and not flood damage.

For more comprehensive information about flood damage in Oro Valley, AZ, contact Old Pueblo Insurance.

Umbrella insurance is a type of coverage that works with other policies that you have. It is a unique type of insurance that can save you money while giving you more coverage for liability. If you need umbrella insurance, call us at Old Pueblo Insurance in Oro Valley, AZ for more information about this type of coverage. 

Existing Liability Insurance

Before you get umbrella insurance, you must have both auto and home insurance in place. Both of these types of insurance include several different types of coverage, and one of those is liability insurance. This coverage protects you against accidents and other incidents that happen in your home or because of your vehicle. If you are found to be liable for the accidents, the liability portion of your home or auto insurance will pay the medical and other bills that you owe. However, the liability maximum payout amount with these insurance types are relatively low. That’s where an umbrella policy comes in.

Umbrella Insurance

Umbrella coverage is like an extra layer of liability protection that is laid over your home and auto policies. When those policies have paid out their maximum amounts, the umbrella policy comes in and pays more liability up to its own maximum. The maximum is many times higher than the standard amounts from home and auto policies. And, it costs less to get an umbrella insurance policy than it would increase the liability coverage of your home and auto policies. 

Talk to an Insurance Agent

If you have home and auto policies and you want an umbrella insurance policy, call us at Old Pueblo Insurance in Oro Valley, AZ to speak to an agent about your insurance needs. 

If you own a boat in the great state of Arizona, it is a good idea to make sure you are prepared before your next trip in the water. Having a checklist and plan for emergencies before you get out on the water is always a wise move. Some important points to go over before and during a boat trip include:

• Checking safety equipment like radios and flashlights
• Let others know your plans
• Check electrical equipment and wires
• Having proper floatation tools and equipment available
• Proper fuel levels
• Boat registration
• Local weather check

These are just some things to consider for overall safety while boating. Having adequate insurance is another layer of protection you may want to consider as well.

Old Pueblo Insurance in Oro Valley, AZ has experienced agents ready to help you with the best boat insurance to keep you and your investment protected in the event of an accident or disaster.

Do I Need Boat Insurance?

While boat insurance is optional in most cases, it makes sense to have some form of coverage. Liability is a basic form and other types of insurance from personal property damage to more customized coverage to help with towing and natural disasters. Experienced insurance agents can help you find the right level of coverage at the right cost for your valuable watercraft.

A Quality Insurance Agency in Oro Valley

Contact us at Old Pueblo Insurance in Oro Valley, AZ to discuss boat insurance or any other type of insurance you may be interested in. Our agents have years of collective experience helping owners of watercraft in Arizona get the best insurance coverage at affordable rates. We look forward to working with you today.

Old Pueblo Insurance offers coverage to the Oro Valley, AZ community. We take pride in helping our clients secure the protection they need. We are ready to assist you and make things a little easier for you.

Winter Motorcycle Insurance Storage Options

As you travel around Oro Valley, AZ on your motorcycle, it’s important that you protect it. Motorcycle insurance allows you to protect your investment by covering any damages caused by a collision. You will also be protected if your motorcycle is stolen, damaged by a falling object, or set on fire. Liability coverage will protect you if your motorcycle causes someone to get injured or you damage someone else’s property. As the seasons change and the weather start to get colder, you will explore all of your storage options. You can add uninsured motorist coverage to protect you if you are involved in a collision with someone who does not have coverage. If you add any special accessories to your motorcycle, you can add extra coverage to cover those items if they are vandalized.

Even while you have your motorcycle in storage and you aren’t riding it, it’s important to maintain coverage because accidents can happen at any time. A falling object can put a dent on your motorcycle, or maybe the storage unit is damaged due to severe weather. You also have to think about unexpected situations, such as warm weather during the winter. Without insurance, you will not be protected if you ride your motorcycle and you are involved in a collision. If you continue to have coverage while your motorcycle is in storage, you will be protected if something happens.  

Old Pueblo Insurance Will Help You Protect Your Investment

Visit our website today to learn more information about motorcycle insurance

For most people that are in the Oro Valley, AZ area, having a mode of transportation is a necessity so they can get around town. For those that are in this area, the consistent warm and sunny weather all year can make it a great place to own a motorcycle. If you are looking for a motorcycle here, it is important to also spend time assessing your insurance needs. There are several reasons that you will need to get a motorcycle insurance policy here.

Insurance is a Legal Requirement

One of the reasons that you will need a motorcycle insurance policy in this area of Arizona is that it is a legal requirement. Anyone that would like to own a motorcycle and use a public road has to abide by the state’s requirements for liability insurance. This law requires that you carry a certain level of coverage, which ensures that you can pay for damages that may be caused during an accident.

Insurance is Needed Due to Lender Requirements

If you are going to purchase a motorcycle using a loan, you will also need a motorcycle insurance policy to comply with your lender. Anyone that is going to take out a motorcycle loan will be required by the lender to have full motorcycle insurance with comprehensive and collision coverage. With this protection, you will be protected against a variety of situations that could result in a loss.

There are plenty of reasons for someone to get a motorcycle insurance policy in the Oro Valley, AZ area. As you are looking for your next policy, it would be a good idea to call the team at Old Pueblo Insurance. The insurance team at Old Pueblo Insurance will assess your needs and help you get into the right policy for your situation. 

Whole Life

A whole life insurance policy works very differently from a term life policy. Many people choose this type of insurance because of its financial benefits. If you are interested in starting a whole life policy, contact us at Old Pueblo Insurance in Oro Valley, AZ to talk to an agent about your insurance needs.

Continuous Life Insurance

With a whole life insurance policy, sometimes called regular life, the policy is intact for the rest of your life. As long as you keep making the premium payments as agreed, the policy can’t be cancelled by the insurance company. Many people like this benefit because the rates don’t go up as you get older. Using a term life policy is for one specific term as laid out in the contract rather than lifelong coverage. 

Cash Value

As you continue to pay your premiums, your whole life insurance policy will build cash value. This is a cash value that you can borrow against if you have a financial need for quick money. It can also be exchanged for an annuity to give yourself regular payments based on that cash value. If you choose to borrow against the cash value, the death benefit is reduced by the amount that was borrowed. 

Ownership

Whole life policies began because people wanted ownership over their death benefits rather than simply paying for someone else to own them. And today, whole life insureds still have ownership over these policies and the amounts they represent. 

Talk to an Agent

If you’re interested in this type of policy, call us at Old Pueblo Insurance in Oro Valley, AZ. Make an appointment with an agent to talk about all of the different types of life insurance and which may benefit you the most. 

Whether you employ a few hundred people or just a couple, it is imperative that business owners understand the regulatory landscape that they operate in – particularly when it comes to insurance. Having adequate insurance covered is a necessity for legal operation, but also provides safety, security, and peace of mind for the business owner. Specifically for business owners in Arizona, any company that employs or regularly hires at least one employee – regardless of whether they are full-time or part-time – is required to carry workers’ compensation insurance. As a caveat, there are several exceptions for independent contractors, seasonal workers, and domestic employees that only work from their homes. In short, workers’ compensation insurance helps pay for the medical bills associated with an injury or illness sustained in the workplace. In addition to workers’ compensation insurance, Arizona businesses must also have commercial auto insurance on any vehicle that is owned by the company. Although it is not required, business owners that require their employees to use their personal vehicles on the clock are strongly urged to have hired and non-owned auto insurance as personal auto policies are generally excluded from business use. 

In addition to workers’ compensation and commercial auto insurance policies, businesses can also opt for coverage relating to losses due to cybersecurity incidents, professional negligence lawsuits general liability in the event that a visitor unaffiliated with the business is injured on company property. 

At Old Pueblo Insurance in Oro Valley, AZ our talented team of insurance professionals are ready to answer your questions to assist in customizing a commercial insurance policy that exceeds the needs of your business. Give us a call today to schedule a no-obligation consultation.