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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 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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What Are the Risks of Liability Only Auto Insurance?

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Liability only auto insurance steps in to cover the damage youve done to the other guys car or their medical bills if theyre hurt. Its got two main parts: bodily injury liability and property damage liability. If your cars crumpled or youre the one limping after an at-fault crash, liability only auto insurance doesnt care.

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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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Driving Without Insurance in Florida

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10,000 in Property Damage Liability (PDL): Pays for damage you cause to someone elses property in an accident. Beyond legal penalties, driving without insurance in Florida leaves you vulnerable. Why Do People Risk Driving Without Insurance in Florida?

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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.