What is Usually Covered by Renters Insurance in AZ

Some may consider renters insurance to be the equivalent of home insurance for those that are renting their house or apartment. In some ways this is true, but with some differences. In any case, it is a relatively cheap and effective way to mitigate costs in the event of a disaster. If you are in the Oro Valley, AZ area, consider consulting with Old Pueblo Insurance to see if they have a plan in your price range.

Your Personal Belongings

Just because you do not own the home doesn’t mean that you will face a great deal of property loss. Renters insurance can cover the furniture that you have brought to the rental property. It will also cover your electronics, clothing, and other personal items that are specified within your policy. Some high-value items, like collectibles or jewelry, may have limited or conditional coverage.


If you are responsible for a guest being injured on the property, your insurance plan can cover legal and medical costs. There are limitations to coverage, as specified by the policy.

Downtime From Your Home

If a disaster is so horrible that you have to temporarily live outside of your house, many policies will cover such costs. Things like hotel bills, food, and transportation may be covered in such events.

Renter insurance is a good idea in many cases since most landlords will not provide it. If you are unsure if your landlord covers you, it should be clarified in the contract prior to renting. If you need an affordable plan that covers your current living situation in Oro Valley, AZ, give Old Pueblo Insurance a call.


3 Questions You Need to Consider Before Buying Flood Insurance

While you’re searching for flood insurance in the Oro Valley, AZ area, there are probably a bunch of questions going through your head. While you’re preparing for your meeting with an insurance agent from Old Pueblo Insurance or another company, here are some important questions that you probably want to think about.

1. Should I Buy Flood Insurance?

This is likely the first question you have for your Old Pueblo Insurance agent, and the answer is: it depends. If you’re going to buy a house that has a federally-backed mortgage in a high-risk flood area, then it’s mandatory to buy flood insurance. On the other hand, if you’ve paid off your mortgage or inherited your house, then the choice to buy flood insurance is up to you. If your house is in an area in Oro Valley, AZ that participates in the National Flood Insurance Program, you can still buy a policy, but it will be a privacy policy and likely more expensive than a regular policy.

2. What Does Flood Insurance Cover?

Flood insurance protects your home from rising waters, mudflows, and inundation, which is when water covers land that’s normally dry. However, your policy won’t cover a landslide, which is when the disaster results in pieces of moving earth and debris.

3. How Much Can I Insure My Home For?

A homeowner is able to insure a property for up to $250,000, and the homeowner can insure the contents of his or her home for up to $100,000. However, if you own a business, the limits for your establishment and the location’s contents both go up to $500,000. According to a study from the University of Pennsylvania, half of all claims from 1980 to 2012 were for less than 10 percent of the value of a single-family house. Seven percent of claims, according to the study, were for more than 75 percent of the house’s value.

Why Your Need Comprehensive Motorcycle from Old Pueblo Insurance in Oro Valley, AZ

When you’re driving along the rim of the spectacular Grand Canyon on your motorcycle, the last thing you want to worry about is your insurance. Fortunately, there is an easy way to get all that sorted out by contacting your Old Pueblo Insurance representative in Oro Valley, AZ.

Essential Motorcycle Insurance Policies

Arizona requires all riders to purchase liability and property damage policies for accidents that they cause. Unfortunately, not all motorists comply with these laws. This could leave you paying for expensive repairs to your two-wheeled baby.

Alternately, you could end up liable for injuries suffered by yourself or a passenger. Comprehensive insurance policies can be customized to meet your needs and cover the gap if you are hit by an uninsured or underinsured motorists.

Tailor Your Policy to Meet Your Needs

Don’t wait for a tree to fall in your bike to understand your insurance policy. In addition to liability and personal injury, look into comprehensive policies to cover yourself and your bike. This is especially important if you have customized or expensive parts.

Choose from a variety of policies including towing and labor, accessory coverage for electronics and side cars. You can even get coverage to transport your bike via transport trailer and for certain non-accident events.

Comprehensive Coverage

With comprehensive insurance policies, you have the option to purchase more than the minimum coverage for accessories and custom parts. It can also provide better coverage in case you hit an animal or other large object.

Contact Us

Ask your Old Pueblo Insurance representative for guidance on which comprehensive insurance policies would work best for you in Oro Valley, AZ. Ask about coverage for your bike that includes fire, vandalism, severe weather and theft.

3 Tips for Boating Safety in Oro Valley

Boating safety is much like home safety: we tend to stop thinking about it after a while. Trip after trip may go by without any incident whatsoever, making everyone complacent about the real risks of the water. To reduce or eliminate the scary consequences that can come from being unprepared, keep the following tips in mind if you live in Oro Valley, AZ. 

Have a Plan 

Everyone on board should understand what to do in the event of an emergency. They should know where all of the equipment is stored that could help mitigate any potential disasters. One thing that can help is by setting up a disaster plan and then having your family or your passengers practice it several times before getting on the water. 

Designate a Helper 

An assistant skipper who understands how to steer the boat and handle the waters can be one of the best ways to prepare. If the navigator is unavailable for any reason, then the assistant can step in to either get help or to keep the boat on course.  Old Pueblo Insurance has seen countless situations saved with the help of the buddy system. The assistant skipper doesn’t necessarily need to know everything, but they should know enough to keep the boat going. 

Have Better Insurance 

Insurance can go a long way when it comes to boating safety, so owners may want to consult their policy to make sure that it will be useful in an emergency. From theft to thunderstorms, Old Pueblo Insurance understands the many threats that may harm your boat. If you live in Oro Valley, AZ and have questions about your policy, give our friendly staff a call to learn more about how we can help with better coverage!

Umbrella Insurance: Know the Facts

If you’re not familiar with umbrella insurance, it’s a type of liability insurance designed to keep you and your assets protected from large lawsuit judgments against you. Losing a lawsuit could result in a devastating financial loss, but an umbrella policy can keep you protected in Oro Valley, AZ. Here’s a look at some of the facts about umbrella insurance that you need to know.

Fact #1 – You Could Lose Everything if You Don’t Have It

Why considering buying umbrella insurance from Old Pueblo insurance? If you don’t have this insurance, it’s a fact that you could lose everything. If you’re in a car accident where the other driver gets injured or a neighbor trips on your sidewalk and falls, you could end up with a lawsuit. Most homeowner’s or auto insurance policies have limited coverage, and having umbrella insurance can protect you from having assets seized, wages garnished, and other financial consequences.

Fact #2 – There are Many Liability Risks

Even if you think you live a boring, quiet life, you need to realize that there are many liability risks all around you. Your child’s friend could try diving into your backyard pool and miss. A neighbor could be bitten by your dog. The babysitter may trip and fall down your stairs. You may hit and injure a pedestrian you didn’t see. You have to be prepared for these worst-case scenarios so you’re not financially ruined if these issues do occur.

Fact #3 – Umbrella Insurance Coverage is Inexpensive

You won’t pay a lot for umbrella insurance coverage in Oro Valley, AZ. These policies are very reasonably priced, and for a small investment you can make sure you’re properly insured and financially protected.

If you’re ready to get protected with umbrella insurance, contact Old Pueblo Insurance today and we’ll help you find a policy that meets your needs and suits your budget. 


Why Umbrella Insurance Is Needed No Matter the Season

An Oro Valley, AZ resident should consider purchasing umbrella insurance no matter the season. Although it doesn’t rain much in the area, having an umbrella just in case is vital. It never hurts to have extra protection with an umbrella insurance policy, especially if you have a great deal to lose in the event of a serious accident. 
Accidents Happen Any Time
Keep in mind, it doesn’t matter what time of the year it is, or even what time of the day, accidents can happen at any time. If you think you can wait for a year or so or even just a few months to obtain an umbrella policy from Old Pueblo Insurance, you may want to reconsider. You could find yourself in a predicament where you’re being sued for a substantial amount of cash due to a momentary lapse in judgment during any time of the year.
You Have to Expect the Unexpected
You might think it’ll never happen to you. You can tell yourself over and over again, you’ll never get yourself into a situation where an accident, whether personal or behind the wheel, causes bodily harm, but this just isn’t true. It can happen to anyone. You could have one off day or even an off moment when you do something that seriously, yet accidentally, harms another human being. Never for a second think it won’t happen. Always expect the unexpected. And rather than just expect the unexpected to happen, you should prepare in advance for the unexpected to prevent a huge problem in the future.
Always obtain a safe amount of insurance to protect your assets. You can do so by contacting Old Pueblo Insurance, serving Oro Valley, Arizona and the surrounding area, by contacting us at 520-742-0682 to get a quote.  


3 Reasons You Need Flood Insurance in Oro Valley, AZ

Flooding is something you probably never think about, especially if you live in Oro Valley, AZ. But did you know that Oro Valley is in a flood plain?  And did you know that most homeowner’s insurance does not cover flooding?  That means if your property gets flooded you will be left cleaning up the expensive mess.  Read on to learn about three more reasons you need flood insurance in Oro Valley, AZ.  

1.  Protect Your Property

Flood damage causes water damage.  There’s no way around it.  Water gets into everything and can ruin your property quickly, especially if you don’t have flood insurance.  With flood insurance you can get your property cleaned up by a professional team right away and your insurance company will cover the expense.   

2. Have Peace of Mind

Having flood insurance in Oro Valley, AZ gives you peace of mind.  You will know that whatever may happen, if your property is the victim of flooding, your flood insurance will kick in to help.  Although every policy differs, most will even put you up in a hotel or rental unit until your home is safe to reside in again.

3. Prepares You for the Worst

Do you know what to do in the event of a flood? Do you have a plan? If not, creating one is a great idea to go along with your flood insurance.  For example, in the event of flooding in your neighborhood, your family should have a meeting place already decided, especially considering you may not be able to reach your property due to flooding.

To learn more about flood insurance, you can contact Old Pueblo Insurance.  Our friendly agents are available to answer all of your questions.  To reach us at Old Pueblo Insurance call 520-742-0682.  

The Benefits of Life Insurance for Children

It can be challenging to think about your children passing away at an early age. As such, many people do not think about buying life insurance for their children. However, at Old Pueblo Insurance, serving the greater Oro Valley, AZ area, we encourage you to if you can afford to do so because there are benefits to doing so. Here are a few of the benefits of purchasing life insurance for children.

You Protect Your Child Against Future Health Conditions

One of the biggest benefits to purchasing life insurance for your children is that it may help to protect their ability to purchase life insurance if they develop in future health conditions. Many insurers will deny coverage or increase the price if a person has or has had certain conditions like cancer or diabetes. If your child already has life insurance, they can typically carry the policy with them throughout life, which may help them out if they develop a health problem as a child.

The Insurance Makes an Unbearable Time Slightly More Manageable

The other major advantage to purchasing life insurance for a child is that it can make an unbearable time slightly more manageable. You do not want to think about your child dying, but accidents happen and kids get sick. If this were to happen to your child, could you afford the type of funeral you want to give him or her? If not, you may want to look into purchasing life insurance so you do not have to worry about money if you find yourself in this position.

If you are looking to purchase life insurance for your children in the greater Oro Valley, AZ area, let Old Pueblo Insurance help. Contact us today to get answers to any questions you may have or to obtain a quote.

Hidden Termite Terrors and how to prevent them

At Old Pueblo Insurance, serving the Tucson and Oro Valley, AZ areas, we know all about termites and what they can do to your house, value, and insurance.   

Homeowners insurance doesn’t cover termite damage. However, it can cover damage to things, like electronics, covered by homeowners insurance that is caused by a collapsing structure, such as a wall or a roof that had the termite damage.

The good news is termite damage can be prevented with regular maintenance and inspections. Protecting your home can not only keep your family safe, but it can save you thousands of dollars.

  • There are 45 kinds of termites in the U.S.
  • Termites are social insects. So, if you see one, he has friends.
  • Termites live in dark places.
  • In recorded history, termites have never developed resistance to any pesticide.

It’s always advisable to have a professional inspect your house, but there are three main signs you can look for on a monthly walk around your house.

Check for the three top signs of termites moving in with you.

Wood Damage

It seems obvious, but termites are after wood. If you see long tubes in wood near the ground or trees nearby, it might be termites

Mud Tubes and Tunnels

Wherever the land meets your house, you could find mud tubes the size of pencils.

Discarded Wings

Near the ground, if you find a pile of discarded wings, this is a sure sign a swarm has moved in and colonized.

Old Pueblo Insurance, serving Tucson and Oro Valley, AZ, is there to answer any questions you might have about your homeowner’s insurance and what is covered. Give us a friendly call for details



Does Commercial Insurance Protect Business Owners From Losses Caused By Shoplifting?

Retail business owners from the Oro Valley, AZ area need to understand the importance of protecting their company with commercial insurance. Old Pueblo Insurance wants you to learn what commercial insurance does and does not cover. The main concern for most retail businesses is shoplifting and other types of theft. Theft costs retail businesses millions of dollars each year. Companies often go to great lengths to reduce the risk of this type of loss. Installing security cameras and hiring plain clothes security officers are just two ways members of management try to protect themselves from shoplifters.

Shoplifting can cause devastating financial losses to a business. It is not covered by most insurance policies, however, burglary, robbery, and malicious mischief are covered by insurance because of the use of force and potential damage to the property. Shoplifting, on the other hand, uses no force and rarely results in physical damage to store property. Even though it is not covered by insurance, shoplifting remains a huge concern. It can often be prevented by employing protective measures like shoplifting awareness signals, increased security, and alarm systems.

The agents at Old Pueblo Insurance serve business owners in Oro Valley, AZ, and many nearby communities. They offer several commercial insurance options that can be used to protect your business from financial loss. Contact an insurance agent today to find out what your insurance covers and what you may need to do to keep your policy up to date. If you want to protect your business from financial loss, you need to have the right type of commercial coverage. Call our office today for a consultation and a thorough review of your policy.