This site uses cookies to improve your experience. To help us insure we adhere to various privacy regulations, please select your country/region of residence. If you do not select a country, we will assume you are from the United States. Select your Cookie Settings or view our Privacy Policy and Terms of Use.
Cookie Settings
Cookies and similar technologies are used on this website for proper function of the website, for tracking performance analytics and for marketing purposes. We and some of our third-party providers may use cookie data for various purposes. Please review the cookie settings below and choose your preference.
Used for the proper function of the website
Used for monitoring website traffic and interactions
Cookie Settings
Cookies and similar technologies are used on this website for proper function of the website, for tracking performance analytics and for marketing purposes. We and some of our third-party providers may use cookie data for various purposes. Please review the cookie settings below and choose your preference.
Strictly Necessary: Used for the proper function of the website
Performance/Analytics: Used for monitoring website traffic and interactions
TGS Insurance » Blog What Is a Homeowners InsuranceQuote? A homeowners insurancequote is the proposed amount that you would pay an insurance carrier to cover your home. The quote will be based on many factors, including your home’s age, building features, location and size, as well as your insurance score.
TGS Insurance » Blog 5 Must-Know Tips for Comparing Home InsuranceQuotes Choosing the right home insurance policy can sometimes feel like trying to find the perfect coffee order—it’s a delicate balance between what you need and what works best for your wallet. So, take a hard look at the coverage amounts in each quote.
TGS Insurance » Blog Captive vs Independent Insurance Agency: What’s the Difference? In order to understand the benefits of using an independent insuranceagent, it’s essential to recognize what sets them apart. Insurance agencies can be sorted into two categories: captive and independent.
Those listed on your home insurance, known as the named insured, have the power to make changes to the policy, cancel it, or make a claim. However, the homeowners insurance coverage extends beyond those named on the policy. Either of these endorsements can also be used to grant someone the ability to make claims.
However, for many home renovation projects, you will need to inform your insuranceagent. Whether it’s a big project involving reconstruction of part of your home, or a small project that will increase the value of your home or personal property, your renovation will affect your homeowners insurance. New Home Value?
Knowing exactly what to do after a car accident can make all the difference in ensuring a smooth claims process, protecting your rights, and, most importantly, keeping everyone safe. Plus, having a police report on file can help you later when dealing with insuranceclaims. Who should you call?
Sometimes, with changes in the market, an insurance carrier may stop serving a certain region altogether. Consult an insuranceagent about the best options for you. That starts with telling the insurance expert why your homeowners insurance will not be renewed with your current carrier.
It might seem like a lot of fuss over your home’s specs, but here’s why it matters: these details help the insurer calculate risk. An older home, for instance, might have outdated wiring or plumbing that increases the likelihood of a claim down the line. Insurers want to know what measures you’ve taken to protect your home.
Claims History Both your personal claims history and the history of claims in your area can impact your premium. If you’ve filed multiple claims in the past, insurers may view you as a higher risk, which can raise your rates. Opting for a higher deductible can lower your monthly premium.
Every year your home grows older, it becomes more prone to issues such as plumbing leaks, electrical faults, or roof damage—all of which can lead to costly insuranceclaims. Insurance companies take this aging process into account when assessing risk, and as your home’s structure and systems age, the likelihood of a claim increases.
This helps them confirm that you stay insured without giving them the power to adjust your policy or get claim payouts. Additional Interest On Your Auto Insurance For an auto insurance policy, having an additional interest is less common.
Simply put, a deductible is the amount you agree to pay out of pocket before your insurance kicks in after a claim. Conversely, if you’re someone who drives less frequently and in low-risk areas, you might feel comfortable taking on a higher deductible because the chances of needing to file a claim are reduced.
These devices can help prevent accidents and reduce the likelihood of costly claims. To insurance providers, that’s a win. This risk reduction translates to fewer claims and, consequently, a lower likelihood of large payouts. This level of protection is music to an insurance provider’s ears, as it can prevent expensive claims.
Document the Damage : Take photos or videos for your insuranceclaim. Call Your InsuranceAgent : Reach out to your agent to start the claims process. Having the right homeowners insurance coverage can make all the difference. Contact us today to secure your peace of mind.
What is Agreed Value Auto Insurance? Unlike standard auto insurance, which typically bases claims on the actual cash value (think market value minus depreciation), agreed value auto insurance is all about clarity and mutual understanding.
What is Agreed Value Auto Insurance? Unlike standard auto insurance, which typically bases claims on the actual cash value (think market value minus depreciation), agreed value auto insurance is all about clarity and mutual understanding.
Soft costs : Additional expenses caused by a covered claim that are not related to building materials, equipment, or other hard costs; these soft costs could include additional reinspection fees, increased tax burdens, and insurance premiums. They require insurance to protect against potential claims.
Choosing the Right Insurance Provider When searching for homeowners insurance in California, it’s crucial to do thorough research and compare quotes from different insurance providers. Look for reputable companies with a strong financial standing and a history of satisfying their customers’ claims.
Factors Within Zip Codes Affecting Car Insurance Crime rates in different areas: The level of crime in your neighborhood influences how much you pay for car insurance. If your area has more crime, such as car theft and vandalism, the cost of your insurance may go up because you are more likely to have to make a claim.
We organize all of the trending information in your field so you don't have to. Join 5,000+ users and stay up to date on the latest articles your peers are reading.
You know about us, now we want to get to know you!
Let's personalize your content
Let's get even more personalized
We recognize your account from another site in our network, please click 'Send Email' below to continue with verifying your account and setting a password.
Let's personalize your content