Can You Have More Than One Life Insurance Policy?

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Life insurance is a great tool to help prepare for the event of your unexpected passing. If you want to secure life insurance to help protect loved ones or a business partner from loss. The experts at Right Choice Insurance and Taxes are proud to offer the residents of Tucson, AZ quality insurance products. Let us help you get the coverage you need to add security to the lives of important people. 

Life Insurance Coverage

If you want to add more protection to your financial plan for the future, you can purchase life insurance. You can not only buy a life insurance policy, but you can also purchase more than one. This can help provide more financial protection to those left behind after your passing. 

Remember that there are also a few insurance policies to choose from, so you can rely on our insurance agents to help you make the right decision. We can work closely with each customer to learn their current and future needs and then make recommendations based on those requirements. 

We also assist with the insurance policy purchase. If you have any changes or claims, we will help provide information and support for document submissions. 

Reach Out Today

Life insurance is a wonderful tool to help your loved ones prepare for any unexpected losses and add a layer of security. The team at Right Choice Insurance and Taxes is ready to help the residents in and around Tucson, AZ get the insurance coverage they need. Call or stop by the office today to schedule a consultation or provide additional details about our insurance products. 

4 Things Home Insurance Won’t Cover

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Purchasing a home is a huge life step that comes with some risks. Many of the obvious risks you might face are covered by home insurance. However, you should be aware that home insurance has some exclusions or things it will not cover, and it is up to you to obtain additional coverage if it feels necessary. Right Choice Insurance and Taxes in Tucson, AZ works with our customers to create the ideal home insurance policy for them and their properties.

Things Home Insurance Won’t Cover: 

Owner Neglect

When an insurance company insures a home, there is an expectation that the homeowners will perform regular maintenance on their homes. If you file a claim for something caused by the owner’s negligence, your insurance company could refuse to pay. Rodent infestation, mold, termites, and carpenter ants are examples of owner neglect. If you have these problems, it is expected that you should have treatment to prevent them from happening in the first place.

Sewer Backup

A sewer backing up into your home is disgusting and may not be covered under a standard policy. You could potentially be responsible for cleanup and repair. Most homeowners policies offer sewer coverage though, don’t hesitate to talk to your agent about additional coverage. 

Normal Wear and Tear

Roofs and furnaces, for example, have expected lifetimes. They will deteriorate, and your roof or furnace may fail. This kind of damage is not covered. It is your responsibility to replace them before they cause too much damage.

Floods

Floods are one of nature’s most destructive forces. If the reason for the flood is surface water, it is not covered. The good news is that you can buy additional flood insurance if you are concerned.

Reach Out To Us

If you have any questions about what your policy does or does not cover, it’s time to call Right Choice Insurance and Taxes. Our highly-trained agents are ready to help you find the policy that best addresses your concerns as a homeowner. We understand the needs of homeowners in Tucson, AZ and are able to answer any questions you may have.

Who Does Medicare Insurance Benefit?

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Medicare insurance is for people who are aged 65 and above, and it is also available for people below this age who have a disability. This coverage offers help for those who need home health care in the form of ongoing assistance in the comfort of their dwelling. This can include aiding with everyday tasks, such as bathing and dressing, and can also entail providing emotional support. 

It can also pay for needed tests and lab work as well as hospital stays for more serious illnesses. Medical equipment for those needing beds and mobility devices is also available, and outpatient doctor visits are also covered. 

Patients who have Lou Gehrig’s disease, known also as ALS or amyotrophic lateral sclerosis, are automatically accepted into Medicare, and your Right Choice Insurance and Taxes agent can give you more specifics. Tucson, AZ residents diagnosed with permanent kidney failure that is in need of a kidney transplant or who must have dialysis on a regular basis and have paid into Social Security for a specified length based on age are also eligible. 

Requirements for Medicare specify that you must be a U.S. citizen or that you must have resided in the country for at least five years as a legal resident. You must also be approved for social security, whether or not you are currently receiving a payout, by having worked to earn enough credits to receive this benefit. You can also qualify if you have railroad retirement or if you or your spouse are government employed and have paid Medicare payroll taxes on your paycheck. 

Right Choice Insurance and Taxes Can Assist You 

We specialize in providing insurance products and services that suit your everyday needs. We serve clients who live in Tucson, AZ and invite you to reach out to us by phone, internet or stop in person to discuss your situation today. 

My landlord has insurance. Why do I need renters insurance?

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When you rent a property, it’s important to understand the difference between your landlord’s insurance and renters insurance. Your landlord has an insurance policy that covers damage to their property in the Tucson, AZ area, but this does not protect you or your belongings.

Why Renters Insurance?

Renters insurance from Right Choice Insurance and Taxes provides coverage for losses caused by theft, fire, or other disasters. It also offers liability protection in case someone is injured while on your premises – this could include medical expenses if they decide to sue you. In some cases, the policy may even help cover costs associated with temporary living expenses if the property becomes unlivable due to a disaster.

It’s important to note that renters insurance is separate from your landlord’s coverage and should be considered an essential part of your budget, especially if you own valuable items. Protecting yourself and your belongings with a renters insurance policy will give you peace of mind and allow you to rest easy knowing that, in the event of a disaster, you’ll be able to recover without facing significant financial losses.

Not only does renters insurance offer protection for physical items, but it also provides an extra layer of security for situations that aren’t covered by your landlord’s policy such as personal liability or additional living expenses. For those reasons alone, renting without insurance would be like playing with fire – it’s simply not worth taking the risk. Investing in renters insurance is a wise move for any renter and can save you from incurring costly damages in the future.

Give Us A Call

For more information on renters insurance and how it can protect you, contact us at Right Choice Insurance and Taxes today! We proudly serve the Tucson, AZ area.

Arizona Motorcycle Insurance Requirements

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When you purchase a motorcycle for your transportation in Tucson, AZ, just like owning a car, you’ll need liability insurance to protect the other drivers on the road. The state sets motorcycle insurance minimums, required by state law, just like auto insurance.

State Required Coverage

Right Choice Insurance and Taxes offers both the liability insurance policies that the state requires of each bike owner and the comprehensive, collision and roadside assistance coverage you need to protect your bike and finances. In Arizona, each bike owner must carry at least the following liability insurance coverage:

  • bodily injury coverage in the amount of $15,000 per person per accident,
  • bodily injury coverage in the amount of $30,000 total per accident,
  • property damage coverage in the amount of $10,000 per accident.

Those coverages protect the other drivers, bikers, and pedestrians on the road by paying for their medical care and repairs to their bikes if you cause an accident that harms them or their property.

Adding Coverage to Protect Your Bike

While liability reimburses the others on the road in the event that you cause an accident, collision and comprehensive coverage will reimburse you for damage to your own ride. Collision covers you if you damage your bike in a single-vehicle accident. Comprehensive covers you if a natural hazard, such as hail, fire, falling branches, etc., damages your motorcycle.

Make the Right Choice

Arizona doesn’t give you an option of whether to purchase motorcycle insurance, but you do get to choose where you buy it. Contact our team of insurance experts at Right Choice Insurance and Taxes in Tucson, AZ for the motorcycle insurance coverage you need to protect your finances and your bike.

What is the benefit of having health insurance in Arizona?

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Everyone in the Tucson, AZ area will need to take their personal insurance needs seriously. If you are evaluating your insurance needs, having a quality health insurance plan should be at the top of your list.

There are various benefits that are obtained when you get a health insurance plan:

Receive Coverage

The primary reason anyone in this state will want to have health insurance is to receive the coverage it provides. A proper health insurance policy offers various forms of coverage that ensures you have access to both preventative care as well as the ability to receive affordable care if you ever need an operation or get ill. Ultimately, this can help to save a considerable amount of money and can also help encourage a healthier lifestyle. 

Remain in Compliance with Law

You also will want to have health insurance to ensure you are in compliance with the law. Anyone that lives in this part of Arizona today is obligated to get a health insurance policy for themselves and any dependents. If you do not have this coverage, it could result in penalization at the end of the year. Generally, you need to offer evidence of coverage when taxes are filed. 

Contact Us Today

Health insurance continues to be a very important form of coverage for all people in the Tucson AZ area. This insurance will help to ensure you have access to affordable care and can avoid penalization. There are a lot of options to consider when it comes to this insurance and calling Right Choice Insurance and Taxes can help you make an informed choice. Our team of insurance experts at Right Choice Insurance and Taxes will be able to answer any of your questions to ensure any concerns are addressed. 

Car Insurance Mistakes to Avoid

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Drivers in Tucson, AZ are required to have liability insurance by law before they can register their vehicles, and this must be purchased through a provider authorized to do business in the state. Your Right Choice Insurance and Taxes representative can better help you understand the options available to you, and when doing so, it is vital to avoid the following common mistakes.

Car Insurance Mistakes to Avoid 

Withholding All Pertinent Info

It is tempting to put things in a better light than is entirely true, as moving violations and accidents can be embarrassing. Even so, your insurance company is there to help you obtain adequate protection in the event of a collision, and they need to have all the details regarding your driving history. Being honest and upfront is beneficial for all parties to ensure the best and most accurate coverage. 

Insuring All Drivers on All Vehicles

Your teenager may be costlier to insure, and it’s not necessary to add them to every automobile you own. It makes sense to be choosy about which cars you opt to allow your younger drivers to use, depending on the value and performance, and speed capabilities they possess. 

Not Exploring Available Discounts

You may be eligible for a variety of price reductions, and these can be based on variables, such as employer affiliations. It’s also important to calculate how many miles you intend to drive each year and to communicate this precisely. In addition, other opportunities for saving money may exist based on younger drivers taking a driver education course and keeping their grades up. You can also inquire about bundling various policies together. 

Get The Right Policy For Your Vehicle Today

Right Choice Insurance and Taxes takes pleasure in serving customers living in the Tucson, AZ area and is available to answer any questions you may have about our products and services. Reach out to us today for more information. 

Life Insurance Coverage: What Are “Final Expenses”?

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Most people know they need insurance to cover things like their car or home, but what about final expenses? Final expenses are the costs associated with end-of-life expenses you may leave behind. While these costs can be expensive, there are ways to plan for them, so you and your loved ones are not left with a heavy financial burden.

Right Choice Insurance and Taxes in Tucson, AZ offers life insurance and final expense coverage to help you and your family during your death. Contact us today to learn more about our products and services and how we can help you prepare for the future.

What are the most common final expenses?

There are a few final expenses that are common among most people. These include funeral costs, medical bills, and any outstanding debts. Funeral costs can vary greatly depending on the type of funeral you want and the location of the funeral home. Medical bills can also vary depending on the kind of care you received and the length of time you were in the hospital. Outstanding debts, such as credit card bills or a mortgage, must be paid off before the estate can be closed.

Why is life insurance the best way to pay for final expenses?

There are a few reasons why life insurance is the best way to pay for final expenses. First, life insurance is designed to pay out a death benefit to your beneficiaries upon your death. This means that your loved ones will not have to worry about coming up with the money to cover your final expenses.

Second, life insurance is typically much cheaper than other types, such as health insurance. The death benefit is only paid out if you die, so the insurance company does not have to worry about paying your medical bills.

Finally, life insurance is easy to get. If you’re a resident of the greater Tucson, AZ community, Right Choice Insurance and Taxes can help you find the right life insurance policy today.

The Top 5 Mistakes People Make When Buying Home Insurance

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Home insurance is one of those things that you hope you never have to use. But if the worst does happen, you’ll be glad you have it. That’s why it’s important to ensure you’re adequately covered. Unfortunately, many people make mistakes when buying home insurance, which can leave them underinsured and vulnerable in the event of a disaster. Consult with Right Choice Insurance and Taxes in Tucson, AZ for expert insurance advice.

Here the top 5 mistakes people make when buying home insurance so that you can avoid them and get the coverage you need:

1. Not Getting Enough Coverage

One of the most common mistakes people make when buying home insurance is not getting enough coverage. They either underestimate the value of their belongings or don’t realize that certain types of damage (like flooding) may not be covered by their policy. As a result, they end up with insufficient coverage and have to pay out-of-pocket for repairs or replacements.

2. Not Updating Their Policy Regularly

Another mistake people make is not updating their home insurance policy regularly. Life changes, such as getting married, having children, or buying new belongings, can all impact your coverage needs. Yet many people don’t bother to update their policies to reflect these changes. As a result, they could be underinsured (or even overinsured) and end up paying more than they need to.

3. Failing to Shop Around

Another common mistake is failing to shop around for home insurance. Many simply renew their policy with the same company year after year without comparing rates. However, home insurance rates can vary significantly from one insurer to the next. So, by shopping around, you could save considerable money on your premium.

4. Not Reading the Fine Print

Many people make the mistake of not reading the fine print on their home insurance policy. As a result, they may be unaware of certain exclusions or limitations in their coverage. For example, they may not realize that their policy doesn’t cover flood damage or that their personal belongings are only insured up to a certain amount.

5. Not Researching the Insurance Company

Lastly, people sometimes fail to research the insurance company before buying a policy. They may be drawn in by low rates or attractive discounts without considering the company’s financial stability or customer service record. However, it’s important to ensure you’re buying from a reputable insurer who will be there for you when you need them most.

Get Home Insurance Today

By avoiding these mistakes, you can be sure you’re getting the coverage you need at a price you can afford. And if you do have an accident, you’ll be glad you did. Right Choice Insurance and Taxes in Tucson, AZ can help you get the coverage you need at a price you can afford. Give us a call today for a free quote.

How Often Do I Need To Renew My Medicare Insurance?

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The number one question when people find out they’re renewing their insurance is “When do I need to renew my medicare?” The good news is that most states have now implemented a system that allows people to choose when to renew their insurance. 

The deadline for most states is March 31, but many states also offer a grace period for people who are late. This allows people to pick the date and time of their next visit to the doctor. When choosing when to renew your health insurance, ensure to consider the number of visits you’ll pay each year. For questions, visit Right Choice Insurance and Taxes, a firm serving the greater Tucson, AZ community. 

Renewing Medicare Insurance: What You Need To Know

You probably don’t need to renew your medicare insurance every year. You will most likely only need to renew it when you change jobs or leave the health care field. Medicare insurance is guaranteed minimum coverage for your entire family. If you need to get health care for any reason, you will likely need to get the coverage that offers that service. This can be a good idea if you work in a position that provides health care. 

You may not have annual health coverage in place, but you can still benefit from medicare if you have an emergency and need to access emergency care or treatment. You can renew your medicare coverage every year by going to your health insurance company’s website. If your company is small, you likely won’t need to renew your insurance frequently, while large companies may need to renew their policies frequently. 

Contact Us Today

If you work for a large company and need to renew your health insurance, you will likely need to file a renewal application with your company’s insurance company. The renewal application will list all of the benefits your organization receives from your insurance company and will ask for your approval to increase those benefits. 

You may need to submit an application that contains a larger number of benefits than your company’s current policy allows for, or you may need to submit an application that includes a smaller number of benefits. Spring and fall are the two seasons in which you should prioritize getting your Medicare membership renewed. Right Choice Insurance and Taxes in Tucson, AZ can help you with expert insurance advice.

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