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5 Must-Know Tips for Comparing Home Insurance Quotes

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TGS Insurance » Blog 5 Must-Know Tips for Comparing Home Insurance Quotes 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.

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How to Choose the Right Auto Insurance Deductible

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TGS Insurance » Blog How to Choose the Right Auto Insurance Deductible When it comes to auto insurance, one of the most important decisions you’ll make is selecting your deductible. But what exactly is a deductible, and how do you know which one is right for you?

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How to Read Homeowners Insurance Quotes

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TGS Insurance » Blog What Is a Homeowners Insurance Quote? A homeowners insurance quote 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.

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10 Factors That Affect Homeowners Insurance Premiums in Florida

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Coastal homes in Florida, for example, face higher premiums due to the increased risk of hurricanes, flooding, and wind damage. Conversely, homes further inland or in areas with lower crime rates often benefit from lower insurance costs. The more risks your area poses, the more your insurance company will charge to protect you.

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What Does It Mean to Be a No-Fault State?

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The Basics: Defining a No-Fault State At its core, a no-fault state is one where your car insurance policy takes care of your medical expenses and certain other costs, regardless of who caused the accident. In a no-fault system, each driver’s own insurance policy is the first line of defense for medical bills and other specified expenses.

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Adding a Second Car to Insurance: What to Know Before You Drive Off

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For example, if your second car is a brand-new SUV, you may want to opt for comprehensive coverage with lower deductibles. On the other hand, an older vehicle that’s mostly used for quick errands may only need liability insurance. Just be prepared for a higher bill compared to insuring only one vehicle.

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The Real Cumulative Cost of an Auto Insurance Claim

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What Is A Car Insurance Claim? A car insurance claim is like asking your insurance company for help when something bad happens to you and your car. It could be an accident, theft or storm damage, for example. Deductibles When you have a car insurance claim, one of the first costs you will face is called a deductible.