HalSi was founded in 1992 by Sima Ehrich, a dedicated and caring insurance professional. Over these many years, HalSi has expanded its product offerings to become one of Arizona’s leading full service insurance agencies.

Our portfolio of insurance products includes:

PERSONAL INSURANCE: Auto, Homeowner/Renter, Liability, Health, Dental, Vision, Medicare, Long Term Care.

BUSINESS INSURANCE: General/Professional Liability, Workers Comp, Employee Benefits including group health, dental, vision, disability, life.

Our continued success is a reflection of the confidence placed in us by our clients. Throughout our 20 year history, we have been proud to provide world-class service to our clients.

Thank you for your continued support and confidence in HalSi Insurance Services.

Cost to rebuild (reconstruction cost) reflects estimated construction material, labor and equipment costs to rebuild your home while maintaining the same size and quality of construction, at today’s prices.

Key features that impact the cost to
rebuild your home include:

• Total living area (square footage of home)
• Style of home (e.g. ranch, contemporary, colonial, etc.)
• Exterior wall construction (e.g. frame, brick, etc.), materials and roofing
• Number of kitchens and bathrooms and quality of materials
• Garage type (e.g. attached, detached, built-in)
• Special features (e.g. fireplaces, porches, skylights, etc.)

Make sure you tell your Travelers representative or agent about any of these features when discussing your homeowners coverage.

Don’t rely on market value

The cost to rebuild often differs from what you paid for your home, or what you might pay for a similar home in your area. For this reason, market value is not used to determine the coverage amount needed. Market value can be affected by many factors, including:

• Location of your home
• Economic conditions
• Value of the land

It’s important to know that rebuild costs for insurance purposes can also differ from mortgage requirements, tax assessments, new construction costs and other appraisals of your home.

Why rebuild costs can differ

• Building codes may have changed since your home was built
• More specialized workers are needed to prevent further damage and to rebuild the home
• Trees, shrubs and power lines can make it difficult for large equipment to access the property
• Materials to restore your home may be more expensive or hard to find

Keep your coverage up-to-date

Updates, additions and improvements to your home may increase the amount of coverage you need. Most common changes like installing hardwood floors, updating a kitchen or bath, or adding a deck can affect the cost to rebuild.

Here are some ways to help keep your coverage and limits current:

• Review your policy each year to be sure it reflects the cost to rebuild
• Inform your agent or Travelers representative of any home improvements
• Consider that even small home improvements can affect the cost to rebuild your house

Austin Mutual announces new additional discounts for auto insurance policies effective 4/1/12.

Longevity Discount of 1% to 3% will apply to policies which remain continuously in force for more than 48 months.

Transfer Discount of 5% will apply to new policies when the current agent has been the policyholder’s servicing agent the past 12 months and the policyholder has been claim free the past 12 months.
Come visit us or give us a call today!

7670 E. Broadway Blvd., Suite 250 · Tucson, Arizona 85710
Mailing Address: P.O. Box 12945 · Tucson, Arizona 85732

Phone: 520-296-7881 Toll-Free: 1-800-622-5727

However, we will check emails daily, and will respond as needed. We will also process enrollments and terminations as needed. If you need other assistance during this time, please feel free to call us on our cell phones listed below.

Sima:  520-975-5491, Lisa:  520-400-2210 and Kathy: 520-975-1637

HalSi Insurance has several agents certified to assist you with your Medicare insurance questions. We can help you understand your choices in coverage’s including Medicare supplement plans, Medicare advantage plans, and stand alone prescription drug plans. If the piles of paperwork sent to you are just too much, please give us a call at 520-296-7881 and let our certified insurance agents help you sort through it.

What are the benefits of a 401(k) Plan to an employer?

• A 401(k) plan can help attract and keep talented employees.
• Employers are entitled to a tax deduction for contributions to employees’ accounts.
• Contributions and earnings generally are not taxed by the Federal Government or by most State governments until they are distributed.

What are the benefits of a 401(k) Plan to employees?

• It allows participants to decide how much to contribute to their accounts.
• The money contributed may grow through investments in stocks, bonds, mutual funds, money market funds, savings accounts, and other investment vehicles.
• Contributions and earnings generally are not taxed by the Federal Government or by most State governments until they are distributed.
• A 401(k) plan may allow participants to take their benefits with them when they leave the company, easing administrative responsibilities.

We highly recommend that you visit one of the following two websites to determine whether or not your home is within the new flood plains. Pima County’s site is www.rfcd.pima.gov/dfirm.   Arizona Daily Star also has a video on their website which will help you navigate through the information at www.azstarnet.com/video. Please take time to review how this change will affect your home and feel free to contact our office if you need assistance or if you need to purchase a Flood Policy.