TGS

NOVEMBER 27, 2024

TGS Insurance » Blog Affordable Home Safety Improvements to Lower Your Insurance Premiums Owning a home is a dream come true—until those monthly bills remind you of the costs involved. From utilities to maintenance to insurance premiums, it adds up quickly. Check with local programs for assistance.

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TGS

OCTOBER 3, 2024

TGS Insurance » Blog 10 Factors That Affect Homeowners Insurance Premiums in Florida When it comes to homeowners insurance premiums, several factors come into play, and understanding them can be the key to managing your costs. Coverage Limits The amount of coverage you choose directly affects your premium.

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Freeway Insurance

DECEMBER 17, 2024

When winter weather rolls into town, that means one thing for homeowners: an increased risk of weather-related damage. To limit the impact of harsh, freezing temperatures and blustering blizzards, its important to understand some basic snow home maintenance to avoid having to make a costly homeowners insurance claim.

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Paragon Independent Insurance Agencies

JULY 31, 2024

Lenders want to ensure their interest in the property is protected if an unfortunate disaster damages it. Our knowledgeable agents at Paragon Independent Insurance Agency in Plano, TX, are here to help. We are here to help you fully understand what a home insurance deductible is and which is best for you.

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Wren Insurance Agency

OCTOBER 23, 2024

Now that we are in the thick of the official hurricane season here in Florida, you may have noticed - if you recently tried to bind a new home insurance policy - that most carriers will stop writing up to a week or two prior to a named storm possibly impacting the state. The more damage, the more likely premiums will rise at renewal.

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TGS

JANUARY 6, 2025

Will These Changes Impact Insurance Premiums? Yes, raising minimum coverage requirements is likely to result in higher premiums for drivers. Insurers will need to adjust rates to accommodate the increased coverage levels. Why Are the Minimum Limits Increasing?

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TGS

OCTOBER 3, 2023

To feel confident in your policy before you sign, make sure you understand how to read a homeowners insurance quote. How Do You Get a Quote on Home Insurance, and How Long Does it Take? You can get a free homeowners insurance quote by visiting the carrier website or by consulting an independent agency like TGS Insurance.

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Shield Insurance Agency

AUGUST 20, 2024

Shield Insurance Blog | Small Insurance Claims | Contact Our Sales Team! Small Insurance Claims Can Raise Premiums Small insurance claims, such as those for minor property damage, may seem like a hassle to deal with. However, filing small insurance claims can have long-term financial consequences.

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Property Insurance Centre

OCTOBER 18, 2024

Recent data from 2023 and 2024 highlights the financial strain on insurers and property owners alike, driven by more severe storms, heavy rainfall, and unpredictable weather patterns. Rising Claims Due to Extreme Weather In 2023, UK insurers faced record-breaking claims from weather-related damage.

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Cover4LetProperty

DECEMBER 1, 2023

The main difference between home insurance and landlord insurance lies in the intended purpose and cover. The main difference between home insurance and landlord insurance lies in the intended purpose and cover. Landlord insurance: specifically tailored for properties that are being let to tenants.

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Cover4LetProperty

OCTOBER 1, 2024

Buy to let insurance is a specialised type of insurance that covers the unique risks faced by landlords. While it shares some similarities with standard home insurance, it includes additional protection tailored to rental properties and tenants. What does landlord insurance cover?

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TGS

DECEMBER 4, 2024

And if your tree includes built-in lights, inspect the wiring for any signs of wear or damage. Replace damaged strings immediately. Artificial trees should be stored in a cool, dry place to prevent damage and prolong their life. When shopping for an artificial tree, look for one labeled as “fire-resistant” or “flame-retardant.”

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Scott Insurance

FEBRUARY 7, 2023

is facing higher-than-normal increases to their auto insurance premiums. According to Bankrate , an independent publisher and comparison service, auto insurance in the U.S. Therefore, if the costs associated with an accident increase, insurance premiums will follow suit.

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TGS

DECEMBER 13, 2024

Jewelry insurance can help replace the item, even if its never found. Theft : If your valuables are stolen, whether from your home or while traveling, a good policy ensures youre not left empty-handed. Damage : Accidents happena clasp breaks, a stone gets chipped, or a chain snaps. Is Coverage for My Jewelry Worth It?

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Property Insurance Centre

JANUARY 16, 2025

Flood damage can include physical destruction of property, inventory loss, and business interruption costs, making insurance a vital component of risk management. Specialised policies may also cover: Debris Removal: Costs associated with clearing and disposing of flood-damaged materials.

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TGS

SEPTEMBER 6, 2023

On top of that, you run the risk of having a lapse in your home insurance coverage, as some renovations call for a different insurance policy entirely. What Will a Standard Home Insurance Policy Cover During Renovations? For example, standard home insurance will not cover theft or vandalism during construction.

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TGS

NOVEMBER 1, 2024

Avoid standing in the middle of the road or putting yourself in harm’s way while assessing the damage. In many states, you’re required to file a police report for accidents that involve injuries or significant property damage. Plus, having a police report on file can help you later when dealing with insurance claims.

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Property Insurance Centre

SEPTEMBER 11, 2024

Lift Inspection policies will often accompany a Purpose Built Flats Insurance Policy, and for good reason. Although some Purpose Built Flats Insurance policies will provide some cover to machinery and plant for material damage cover, they will not provide any assistance should the lift break down.

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TGS

NOVEMBER 25, 2024

So, how can you keep your home and loved ones safe this Thanksgiving? Let’s dive into some practical fire safety tips and explore how a solid home insurance policy can add a layer of protection—just in case the unexpected happens. Where Does Home Insurance Come In? That’s where homeowners insurance steps in.

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Property Insurance Centre

SEPTEMBER 25, 2024

See what is not covered in terms of events/damage for your policy and think about getting flood insurance or accidental damage insurance if desired. Accidental damage is not usually covered by a normal building insurance policy. These can be added to your policy for an additional premium.

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Triple-I: Homeowners Insurance

JULY 9, 2024

While most farmers are insured against crop damage due to heat conditions and homeowners insurance typically covers wildfire-related losses, Porfilio noted, a “more subtle impact is on roofs that we thought were built to a 20-year lifespan.” Over 90 percent of homeowners do not have the coverage.”

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TGS

SEPTEMBER 11, 2023

This covers any damage caused by wind or hail events. With replacement cost coverage, a flood policy must also be active at the time of the damage, or else there will be actual cash value coverage. Calculating Your Rates With Wind Pool Insurance providers calculate your premium based on many different factors.

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TGS

OCTOBER 28, 2024

Simply put, a deductible is the amount you agree to pay out of pocket before your insurance kicks in after a claim. It’s a bit of a balancing act: on one hand, a higher deductible can lower your monthly premiums, but on the other hand, it means you’ll pay more out of pocket in the event of an accident.

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Cover4LetProperty

AUGUST 15, 2022

So that you may feel better informed about your landlord insurance options – including the cost and the protection offered – let’s tackle some of the most frequently asked questions (FAQs) we’re asked here at Cover4LetProperty. Does cheap landlords’ insurance really exist? But does cheap landlord insurance really exist?

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TGS

DECEMBER 2, 2024

Property Damage Liability (PDL): $10,000 minimum to cover damage you cause to another person’s property. What Happens If You’re Caught Driving Without Insurance in Florida? SR-22 filings often result in higher insurance premiums, so expect your rates to climb. These aren’t optional—they’re mandatory.

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Cover4LetProperty

JANUARY 21, 2023

So, why is specialist landlord insurance necessary? Why won’t standard home building and contents cover suffice, for example? What matters to insurers, of course, is the question of risk – what is the likelihood of the insured property suffering loss or damage and the insurer having to pay out on a claim as a result?

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Cover4LetProperty

JANUARY 2, 2024

To understand how you might get the most appropriate cover for your let property, it might be helpful to recap the difference between buy to let insurance and standard home insurance. Not only is standard home insurance insufficient, but if you rely upon it for a let property, any claim may be rejected by your insurer.

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TGS

NOVEMBER 18, 2024

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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Property Insurance Centre

JANUARY 30, 2024

Freehold Block of Flats Insurance: Top Cover Tips If you own a freehold block of flats , it’s crucial to have the right insurance coverage to protect your investment. Standard home insurance policies may not provide adequate protection for the unique risks associated with a block of flats.

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Property Insurance Centre

NOVEMBER 11, 2024

These are just some of the excuses we hear of from the question of, “ Why can’t I get insurance ?” ” or can’t get the insurance you deserve for that matter – insurance with reasonable premiums and without unnecessary restrictions. Getting an alarm will often be a deterrent in the first instance.

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Property Insurance Centre

AUGUST 8, 2024

However, if it goes more long term the insurers can at worst pull cover entirely leaving you to search the market for an alternative, or perhaps apply more stringent conditions and charge a rather large additional premium – usually refundable on a pro-rata basis, assuming you are able to let the property out again!

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Property Insurance Centre

JULY 21, 2024

Aspray, a leading property damage claims management company, can act on your behalf when you need to make a claim. Aspray’s repeat win is a reflection of their unwavering commitment to delivering top-notch service to their clients, ensuring that they receive the best possible outcome in times of property damage.

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Property Insurance Centre

DECEMBER 23, 2024

Insurers will not always insist on having all of these protections, however, it may reduce their risk and in turn reduce your premium. The BS3621 requirement not only has many physical qualities to protect your property from potential break-ins, it is also essential to be compliant with your insurance policy.

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Property Insurance Centre

AUGUST 28, 2024

Corner Shop Insurance and BT Redcare Alarm changes Business Owners who have corner shop insurance are all to aware of the benefits an appropriate intruder alarm system will have, both in relation to their insurance premiums (or in being given an insurance policy at all in some cases) and to the physical security of their goods.

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Maritime Insurance International

JUNE 5, 2020

A common question is whether or not home insurance policies cover boats. The fact is that some home policies do and some do not. If your boat is worth more than the coverage offered by your home insurance policy, purchasing a dedicated boat insurance policy is a good idea. Boat insurance costs can vary.

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Property Insurance Centre

JANUARY 4, 2024

Inflation drives up property valuations , construction costs , and insurance premiums. Weather Conditions and Natural Disasters Since 1980, there have been 360 weather- and climate-related natural catastrophes , resulting in damages and costs of over $2.57 Outdated property valuations result in underinsured properties.

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TGS

NOVEMBER 15, 2024

If you’re adding a second car to insurance and both vehicles meet the insurer’s criteria, you could end up with a nice reduction in your overall premium. Potential Challenges of Adding a Second Car to Insurance Of course, adding a second car isn’t without its considerations.

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