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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. Not every policy covers every peril.

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Roof Claims Surge: A 30% Increase from 2022 to 2024

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The Rising Tide of Roof Claims Several factors contribute to the surge in roof claims: Wind and Hail Damage: These elements were the primary drivers of loss costs, accounting for over half of all residential claims in 2024. Our team compares quotes across multiple top-rated carriers to ensure youre protected without overpaying.

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What is a Loss History Report?

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What if that charming house has a history of costly water damage, roof issues, or even fire damage? This is where a loss history report comes inits like a propertys report card for past insurance claims. A loss history report provides a record of insurance claims filed on a property, typically over the past five to seven years.

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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. To feel confident in your policy before you sign, make sure you understand how to read a homeowners insurance quote.

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Valuable Articles Insurance : Protect What You Love This Valentine’s Day

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But heres something we often overlook: what happens if that gift is lost, stolen, or damaged? Most standard homeowners or renters insurance policies offer limited coverage for high-value items, often capping jewelry and other valuables at a fraction of their worth. Contact us today to learn more about valuable articles insurance.

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Equipment Breakdown Coverage Explained

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It wont cover: Normal wear and tear or aging appliances Cosmetic damages (scratches, dents, etc.) Improper installation or maintenance neglect Damages covered by a manufacturers warranty In other words, if your ten-year-old refrigerator stops working because its simply reached the end of its lifespan, this coverage wont help.

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Top Reasons Your Home Insurance Premium Might Increase [2024]

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TGS Insurance » Blog Top Reasons Your Home Insurance Premium Might Increase [2024] Owning a home is often a dream come true, but when that dreaded notice arrives in the mail—informing you that your home insurance premium has gone up—it can feel more like a nightmare.