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.

Have your assets grown above what your insurance can cover? You may want to look into umbrella coverage. Umbrella coverage works along with your current insurance plans to extend coverage beyond the limits of your other plans. It is a separate plan that you purchase to extend your coverage instead of changing all of your other insurance plans. The agents at Old Pueblo Insurance, which serves the Oro Valley, AZ area, can help you determine the best level of coverage for your needs. 

Insurance plans can be confusing. However, signing up for a new plan shouldn’t be stressful. Old Pueblo Insurance can help you through the process, taking the stress out of deciding what plan works best for you. If you already have existing coverage, but need to add more to cover your assets, think of an umbrella coverage option. Boost the coverage you already have in order to gain the security you need for your own peace of mind. Umbrella coverage will help you stay afloat in the event that an injury or accident happens on your property or with your equipment. Your policy can help with attorney fees, wage garnishments, and more business-related expenses. 

If you are from the Oro Valley, AZ area, and need to add umbrella insurance, contact an agent at Old Pueblo Insurance. There are so many more reasons to add umbrella coverage than listed here, and if you have assets that need protecting, it may just be that last piece of insurance you need to protect yourself and your family from serious financial risk. Stop by The office at Old Pueblo Insurance and speak with an agent, or give them a call and add umbrella coverage to your current plan today.

In Oro Valley, AZ, you should expect that your basic comprehensive and collision coverage will only cover the factory-standard parts of your bike. That means that custom seats and windscreens, decorative elements, and saddlebags are not going to be covered, and yes, that extends to your sidecar.

What you will want to do is call your insurance provider and ask about their "add on" rider. Add on riders, or accessory riders, cover things like custom rims, saddlebags, and so on. Most motorcycle insurers will cover your sidecar with the add on the rider.

Note that this isn’t uniform across all insurers. Some may actually provide some accessory coverage with their standard comprehensive and collision policies. Usually the limits there are relatively low. They expect that they’re going to be covering things like windscreens and custom handlebars rather than a whole extra vehicle attached to the side. So your policy may max out before you have enough money to replace the sidecar after an accident.

You’ll want to read your policy, call your insurer, and make sure that your accessory coverage covers the entire value of the sidecar. You may find that the basic accessory coverage is more than enough, but you can’t bet on that. You need to make sure that you know whether or not you’re covered.

If you’re using a used sidecar that wasn’t that expensive to buy in the first place, you might not even want to bother getting it covered. But remember that your sidecar will be covered on the same provision as all of your other accessories. So if you can get protected, you might as well get protected.

If you’re still looking for an insurance provider in Oro Valley, AZ, call Old Pueblo Insurance or get in touch via the Old Pueblo Insurance website. We can connect you with a policy that’s right for you.

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!