If you are someone who loves RVing and heading out on the open road it is very important for you to do what you can to protect your RV. A recreational vehicle is similar to a traditional vehicle, but it also brings with it unique living quarters, which means it very well is similar to a home and vehicle built together. That means you need special insurance to protect your RV. If you don’t yet have RV insurance, or if you haven’t looked at your RV insurance in a while, our staff here at Old Pueblo Insurance is here to help. So when you live in Oro Valley, AZ or the surrounding Tucson area, we want to help make sure your RV is protected. 

Part Home, Part Vehicle

Your RV requires a different kind of insurance from a traditional vehicle. This isn’t just because it likely costs more than a regular vehicle. It is because you can also live in it. It has a kitchen, added electronics, and a number of other features you’re just not going to find in other vehicles. You can also set up shop at a campground and remain there for weeks, if not months. With an RV as both a home and a vehicle, you need to protect it as such. 

Properly Protect Your RV

When it comes to protecting your RV it all starts with having the right RV insurance. It doesn’t matter if it is 20 years old or you just purchased it brand new, RV insurance will protect both the driving aspect and the living aspect of your vehicle. If you live in Oro Valley, AZ, Tucson, or in the surrounding communities and own an RV, you need to give our staff at Old Pueblo Insurance a call. We are here to help you protect your vehicle. 

Arizona homeowners should consider the unique impacts their homes may face as a result of the climate and topography in the region. Because of the dry, warm climate, people may not think of Oro Valley, AZ as a place where flood insurance is necessary. However, it pays to think ahead when it comes to the safety and security of your home.

In fact, flood insurance can be especially important in areas where wildfires are prevalent. Arizona does have a monsoon season, which homeowners should consider when selecting their insurance policies. 

Old Pueblo Insurance can help homeowners decide what sort of insurance to select, what their liabilities are, and how to make informed decisions about how to protect their property while also keeping costs in mind. 

After all, being protected from flooding is key to lessening anxiety when ominous weather reports arrive. Once you’ve spoken with your Old Pueblo Insurance agent, you will know you’ve done all you need to do in case flooding does occur. 

Whether or not your dwelling is in a high risk “flood plain”, you should consider flood insurance. Between 20% and 25% of flood insurance claims come from property that was not listed as a risky area prior to the flooding event. What does this mean for your property? It’s important to consider purchasing flood insurance before the rain begins to pour. 

Another important resource for homeowners is floodsmart.gov.This governmental website provides information about how to mitigate flood risks on your property and explains more about flood insurance coverage. 

Wherever you live in the Oro Valley, AZ, you will want to speak to Old Pueblo Insurance about coverage options in case of a flood. It’s better to be prepared than caught without protection, so reach out for a free quote– you will be glad you did!

The answer is yes!  Owning a boat in Oro Valley, AZ means hours of fun for you and your friends on area lakes.  Many think about the dangers while on the water but few think about the perils of transporting the boat to the lake.  That’s why boat owners need the right cover before they head to the lake.  There are many insurance options available to boat owners.  Before you try to find the right options yourself, come into Old Pueblo Insurance.  Our agents work with boat owners in the Oro Valley, AZ to get the policy that fits them.  Our agents will talk with you about the type of boat you have and how often you use it.  This will help them recommend the best coverage that meets your needs. 

The right coverage can give you peace of mind because, unfortunately, accidents do happen.  Boats are very expensive to repair or replace following an accident.  The right coverage will financially protect you if an accident does happen on the road or in the water.  Liability coverage is also important, though not required.  If there is an accident or property damage where you are deemed to be at fault, it will protect you.  Boat policies cover a wide range of events and accidents such as oil spills, your boat sinking or if its stolen or vandalized.  To guide you through your many policy options, talk with one of our agents at Old Pueblo Insurance.  They know boating and boaters in the Oro Valley, AZ area so they will make sure that you have the right coverage in place.  Give us a call or come in to visit today to talk about the options you have for the coverage you need!

Umbrella insurance is insurance that helps protect your assets in the event that your insurance does not cover the full amount. Let’s say you were driving through Oro Valley, AZ and find yourself in an at-fault auto accident that involved more than two vehicles. The people in the other vehicles were injured and were taken to the hospital. 

Between the damage to the vehicles and the medical costs, the total comes to more than your insurance policy covers. In this case, the money to cover these costs has to come from somewhere. If you have anything of value, including but not limited to a home or an investment account, you might lose them to cover the additional costs. Additionally, you might be sued for additional costs if the injured party loses compensation or has severe medical problems that are due to the accident. This can be a scary predicament to be in- no one wants to lose what they work hard for.

Unfortunately, though, we do not know the future and anything can happen. You may not be able to control everything, but you can lessen the impact of such a situation by obtaining umbrella insurance. It provides additional coverage that picks up where your other insurance ends.

Not everyone needs such coverage and you are not required to carry it. It is simply a means of protecting assets. Most umbrella insurance policies are for a $1 million minimum coverage. Once you have $1 million in assets, you should really consider adding this coverage.

Here at Old Pueblo Insurance, we understand what it means to work hard and want to protect what you work for. This is why we want to partner with you to make sure you have the coverage you need. If you live in Oro Valley, AZ, give Old Pueblo Insurance a call or stop by today for your no-obligation quote.

As a new rider, you shouldn’t neglect the importance of motorcycle training in keeping you and others safe on the road. Purchasing motorcycle insurance from Old Pueblo Insurance in Oro Valley, AZ will protect you and your bike if you have an accident. A motorcycle safety course, however, could help prevent accidents and possibly save lives in the process. The following benefits make motorcycle training a valuable investment for new riders.

Learn Riding Skills

During a motorcycle safety course, you can learn riding skills and techniques that will make you a better (and safer) rider. You’ll have the opportunity to practice on different types of bikes and learn how to maneuver safely in the city and open road riding. Motorcycle training also exposes you to the dangers of riding so you can take necessary precautions to protect yourself and others on the road.

Gain Experience in Controlled Environment

Motorcycle training gives you valuable experience in riding a bike so you’ll have greater confidence once you get out on the road. You’ll have a chance to hone riding and safety skills within a supervised, controlled environment. A safety course can help you develop good riding habits that can help prevent accidents. You’ll also be able to glean valuable tips on purchasing a motorcycle and motorcycle gear from instructors with years of experience in riding.

Reduced Insurance Costs

Completing a motorcycle safety course could help you qualify for a discount on your motorcycle insurance as the training you receive can reduce your risk of accidents. When learning how to ride a bike, safety is a priority. By putting your training into practical use, you can become a more conscientious rider.

For more information about motorcycle safety or motorcycle insurance coverage, call or visit Old Pueblo Insurance in Oro Valley, AZ.

If you’re going to ride your bike in winter, you need to prepare for the challenges that winter weather brings. The following safety tips from Old Pueblo Insurance in Oro Valley, AZ can enhance your safety during winter riding. 

Wear the Right Gear

Layer your clothing from top to bottom to protect yourself from the cold. Base layer gear – top and bottom – is a good investment for winter riding. In addition to this gear, you can benefit from a warm fleece or down jacket to cut down the wind chill, windproof gloves to keep your fingers nimble and warm, and insulated, waterproof boots to keep out wetness and cold. Don’t forget to add a neck-warming scarf and protective full-face helmet with an attached fog-free face shield to your gear for long-distance travel.

Prep Your Bike

Prepare your bike with winter accessories that can make for safer, more comfortable riding. An oversized windshield will protect you from winter winds. Heated grips and a sheepskin seat cover will enhance comfort by keeping you warmer and dryer during your winter riding. Quality all-weather tires are a must for reducing the risk of accidents on Arizona’s slick, wet roads during winter. 

Be Vigilant on the Road

Use wisdom when riding in winter as road conditions are more hazardous for riding. Ride slower and keep an eye out for ice, salt, cracks and potholes in the road. Stay tuned to weather forecasts to avoid running into a snowstorm during your travels.

Update Your Motorcycle Insurance

Make sure your motorcycle insurance is up to date and that you have the protection you need for winter riding. For year-round motorcycle insurance protection you can trust, call or visit an agent from Old Pueblo Insurance in Oro Valley, AZ today.

Many people wait until they’re married or have children to look into life insurance options. The longer you wait, however, the more you’ll pay for life insurance costs. The best time to purchase life insurance is when you’re young, healthy and single to take advantage of lower premiums on your policy. Life insurance from Old Pueblo Insurance in Oro Valley, AZ offers a wide range of benefits to singles, families and seniors alike. Here’s why it’s better to purchase a policy when you’re young:

Lower Premium

Life insurance rates increase with age. Every year you wait means you’ll pay a higher price for the features in the policy you desire. By obtaining a policy when you’re young, you can capitalize on lower premiums for the duration of your policy. If you’re healthy and have good healthy living habits, i.e. moderate drinker, non-smoker, daily exerciser, etc., chances are you’ll qualify for the lowest premium available for the coverage you want.

Financial Security

Buying life insurance early provides financial security for your future. You may be single now, but what about the future? By buying a life policy now, you can be prepared for when you get married and start a family. As you grow older and circumstances in your life change, you can have peace of mind knowing you have the financial security that life insurance has to offer.

Increased Cash Value

The cash value of life insurance grows as time goes by. If you purchase a whole life policy when you’re young, the premiums you pay towards this policy will accumulate a considerable amount of value by the time you’re old. You can cash in on this value to buy a home or even use it to supplement your retirement.

For more information on life insurance coverage and costs, contact us at Old Pueblo Insurance in Oro Valley, AZ.

Umbrella insurance is additional coverage that you can take out on top of your existing insurance coverage. An umbrella policy is a great way to get more use out of your policy and to add extra coverage without having to change your existing policy. For those that live in the Oro Valley, AZ area, the agents with Old Pueblo Insurance can help you to find the umbrella policy that is going to work for you.

You can get umbrella policies to help add extra coverage to the policies that you already have in place. You can get policies that are specific to a certain type of insurance or you can get a general policy that covers several different types of insurance. It is always going to be less expensive and difficult to find an umbrella policy that is geared toward one specific coverage type. You can buy general liability coverage that is meant to cover liability as well. For the most part, it is going to be much more financially smart and easier to buy umbrella policies that are geared toward one type of insurance or other.

In some cases, the company you are looking to purchase umbrella coverage from may ask that you take the time to adjust your coverage on your current policy in order to make sure you are getting good coverage there before you work to get an umbrella policy. Taking the time to adjust your existing coverage first is going to help you make sure you get the right coverage and that you are going to be able to get an umbrella policy that works for you. For those in the Oro Valley, AZ area, the agents with Old Pueblo Insurance is going to be able to help you get the umbrella policy that works for you.

Riding your motorcycle is an excellent way to explore the area around Oro Valley, AZ. In order to legally operate on Arizona roads, all drivers are required to have a valid insurance policy.  What exactly does your motorcycle insurance cover? What are some of the things for which you may need additional protections? Here’s what you can expect from your insurance policy from Old Pueblo Insurance.

Every insurance contract is different. However, these coverages are included in most policies.

• Bodily injury liability. This portion of your policy provides funds to those who suffer injury from an accident for which you are deemed to be at fault. Payments are used for medical bills, therapies, and burial services.
• Property damage liability. If your vehicle damages the property of another person, this part of your policy pays for repairs and replacements. It is important to note that this coverage may not extend to damages you cause to your own property.
• Guest passenger liability. This coverage extends your policy to protect those who are riding with you at the time of an accident. Like the required liability portion of your contract, this coverage pays for loss of property and injury-related costs.

There are some things that may not be covered by your insurance policy. Talk to the agents at Old Pueblo Insurance for guidance on how to protect yourself from these threats.

• Competitions. If you race for a living or as an amateur hobbyist, your motorcycle insurance may not cover any damages you sustain during those events.
• Commercial use. Delivery drivers and others who use their motorcycle for business purposes should pursue a commercial policy for maximum protection.
• Other drivers. Each driver should have their own insurance credentials. Never allow someone without the proper paperwork to operate your cycle.

Old Pueblo Insurance provides motorcycle insurance coverage for residents in the Oro Valley, AZ area. Contact us to start customizing your coverage today.

RVs allow you to do many things that a traditional vacation simply do not, like bring your pets along with you. That being said, you must be able to protect your pets while you are using your RV and your insurance policy may be the ticket. For those that live in the Oro Valley, AZ area, the agents with Old Pueblo Insurance can help you get the policy that works for you.

Pets are generally not covered by any specific policy but are most often covered under the contents or liability clause of your RV policy. This means that if your pet is injured while you are driving your RV, you may be able to claim contents or make a liability claim to get the funds that you need to cover the medical expenses of your pet. Pets are a fundamental part of many families and knowing that you can get some insurance money if they are injured in your RV can be comforting.

If that amount or type of coverage does not work for you, you can always get a pet insurance plan that helps to cover the medical costs of your pet for nearly every procedure that they may need. Pet health insurance is a great thing to have if you have a pet that is a rare breed or that has health issues that require frequent visits to the vet. A pet policy does also cover bodily injury if your pet is hurt in an accident.

For those that live in the Oro Valley, AZ area, the agents with Old Pueblo Insurance can help you find a policy that covers your pet and your RV and that makes you feel secure every time you set out in your RV for a fantastic trip.