TGS

FEBRUARY 4, 2025

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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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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Freeway Insurance

JANUARY 3, 2025

The current average cost of an annual car insurance quote in California for minimum required liability is $670 for minimum required liability*. One of the primary reasons for the 2025 California car insurance increase is legislative. As these expenses climb, insurers pass them on to drivers through higher premiums.

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TGS

OCTOBER 3, 2024

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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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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Maritime Insurance International

JUNE 5, 2020

What Does Homeowners Insurance Cover? Most home insurance policies offer two main types of coverage: property damage and personal liability. In those cases, however, the policy will usually only cover property damage to your boat while it is on your property.

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TGS

JANUARY 15, 2025

TGS Insurance Blog Freezing temperatures might not visit your home often, but when they do, preparation is key to avoiding damage and keeping everyone safe. Document the Damage : Take photos or videos for your insurance claim. Call Your Insurance Agent : Reach out to your agent to start the claims process.

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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. Even if you do not have a house loan, getting windstorm insurance is a good idea. What Does Wind Pool Not Cover?

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TGS

OCTOBER 25, 2024

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 insurance claims. When you renovate or expand your home, you’re increasing its value—and with greater value comes higher costs to repair or rebuild in the event of damage.

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TGS

NOVEMBER 27, 2024

Trim Trees and Maintain Landscaping Cost: $0–$200 depending on the size of the job Impact: Overhanging branches can damage your roof during storms, while dense bushes provide cover for burglars. Install a Water Leak Detection System Cost: $50–$300 Impact: Water damage claims are among the most common for homeowners.

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TGS

NOVEMBER 12, 2024

This added layer of protection is attractive to insurers because it lowers the likelihood of a major fire or carbon monoxide incident, thus potentially qualifying you for a smart home insurance discount. A smart water leak detector can sense leaks early and alert you before significant damage occurs.

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Cover4LetProperty

JANUARY 2, 2024

Getting the most appropriate insurance cover for your let property is therefore worth more than a second thought and something which you might prefer to entrust to a specialist insurance provider. The post Getting the most appropriate cover for your let property appeared first on Cover4LetProperty.

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TGS

DECEMBER 13, 2024

Jewelry insurance can help replace the item, even if its never found. Damage : Accidents happena clasp breaks, a stone gets chipped, or a chain snaps. If youre still on the fence, ask yourself: How would I feel if this piece were lost or damaged? Many policies cover repairs and replacements for such incidents.

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Distinguished

SEPTEMBER 25, 2024

Vandalism : Intentional damage to the job site by third parties, including things like broken glass or graffiti. Property damage : Damages to the building that is being constructed or renovated. Equipment : Covers damages to or theft of equipment used on the job site.

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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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Paragon Independent Insurance Agencies

OCTOBER 15, 2024

Both a carport and a garage will shelter your vehicle and protect it from sun damage. If you would like more information on a home insurance quote, contact our agents at Paragon Independent Insurance Agency. You can decide which is right for you based on your answers to the questions below.

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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? Contact TGS Insurance Agency today, and let’s find the coverage you need to stay legal, safe, and stress-free on the road.

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TGS

JANUARY 6, 2025

At TGS Insurance Agency, we specialize in helping drivers find the right auto insurance coverage at competitive rates. Why Are the Minimum Limits Increasing? Our team can guide you through your options and ensure you’re adequately protected under the new laws.

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ProWriters

APRIL 3, 2024

E&O typically covers claims related to professional services resulting in financial harm to a client, while Professional Liability covers a wider range of claims, such as bodily injury or property damage. Within minutes, you’ll have multiple quotes tailored to your clients’ needs, ready for side-by-side review.

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TGS

SEPTEMBER 6, 2023

In that case, your insurance carrier may consider it vacant, which means you won’t be protected from damage caused by intruders. Ask your insurance agent if you will need an unoccupied policy to protect your home and belongings during your renovation. It all starts with a free, instant quote on your home insurance.

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Property Insurance Centre

MAY 20, 2024

This could mean that if the property is insured for 50% of its correct rebuilding cost, the insurer only pays 50% of the claimed amount. damage caused by a leak). The clause or condition of the block of flats insurance policy may vary between insurers. This can apply to a total loss (e.g.

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TGS

OCTOBER 28, 2024

In this case, a lower deductible can help you avoid paying a large amount out of pocket after a collision or other damage. Our experienced agents are here to help you navigate your options and find the best auto insurance policy for you! Get started with a free auto insurance quote today.

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Freeway Insurance

OCTOBER 8, 2023

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. These expenses can quickly add up and become a financial burden when you have to deal with a car insurance claim.

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Maritime Insurance International

JUNE 5, 2020

When buying boat insurance, you will have the opportunity to select your coverage options. As an independent insurance provider, we provide access to a full network of providers and a wide range of coverage options. Whether you need to insure a luxury yacht, charter vessel, or your family boat, we can help.

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TGS

DECEMBER 18, 2024

Inspect Before You Illuminate Before you hang even a single strand, inspect your lights for damage. Instant Home Insurance Quote Start Typing Your Address GET YOUR QUOTE NOW Recent Home Insurance Articles: Christmas Light Safety Tips Creating a Home Inventory Jewelry Insurance: Protecting More Than Precious Metals Captive Agent vs.

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TGS

OCTOBER 10, 2023

Classic car insurance starts with the minimum liability requirements established by your state (for both property damage and bodily injury ). With our roster of over 55 A-rated carriers, our expert agents will find you the best deal for your classic car insurance! It all starts with a free quote , no strings attached.

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TGS

NOVEMBER 25, 2024

That’s where homeowners insurance steps in. Here’s how it can help if things don’t go quite as planned: Property Protection: Whether it’s smoke damage in the kitchen or a full-scale rebuild after a larger fire, insurance can cover repair and replacement costs. Ready to review your policy?

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American Agents Alliance

SEPTEMBER 4, 2024

For insurance agents, writing more stand-alone earthquake represents a solid stream of revenue as well as the long-lasting benefit of a 94% retention rate on average. GeoVera’s benefits include: Ease of Use: GeoVera’s user-friendly earthquake insurance quoting platform, which takes seconds to quote, makes cross-selling seamless for agents.

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Jackson & Jackson

AUGUST 16, 2024

This guide aims to shed light on the basics of homeowners insurance, the challenges specific to California’s insurance market, the reasons why finding coverage is more challenging now, tips for homeowners to navigate these obstacles, and a glimpse into the future of homeowners insurance in the state.

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TGS

NOVEMBER 15, 2024

Just be prepared for a higher bill compared to insuring only one vehicle. So if both vehicles experience damage (let’s say in a hailstorm or other shared risk), you’ll need to meet the deductible on each car individually. Separate Deductibles for Each Vehicle It’s also important to remember that each car has its own deductible.

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Cover4LetProperty

AUGUST 15, 2022

Perhaps the most suitable way of finding cover that meets your needs and at a price that you find realistic is by comparing landlord insurance policies (or let us make those comparisons on your behalf by using our landlord insurance quote service). Remember that all buy to let insurance policies will differ in certain respects.

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Protect Commercial Insurance

DECEMBER 6, 2024

With more frequent natural disasters like floods and wildfires, companies are increasingly vulnerable to physical damages and operational disruptions. – Customer Experience: Through data analytics, insurers can offer a more personalised experience, anticipating customer needs and responding with tailor-made products.

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Freeway Insurance

OCTOBER 26, 2023

When shopping for car insurance, it’s important to know that the cheapest price you find may not give you the best protection. While a low price may seem like a good deal, you need to think about what the insurance covers. Good car insurance should cover accidents, weather damage, theft and medical bills.

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TGS

APRIL 18, 2025

Inspect the Roof for Winter Damage Why it matters: Your roof takes a beating all winter long. Insurance tip: Catching roof damage early can prevent water leaks that might not be covered under all homeowners insurance policiesespecially if its considered a maintenance issue. Check flashing around chimneys and skylights.

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Cover4LetProperty

JANUARY 4, 2023

Some landlords – and some insurance providers – are uncomfortable letting to tenants on low incomes, as they worry that those on benefits may fail to keep up on their rental payments or cause malicious damage. Our service is free and there is no obligation to buy the cover after you have received your quote.

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TGS

JANUARY 28, 2025

Mind Your Plumbing If your renovations involve plumbingwhether its adding a new bathroom or upgrading the kitchenensure the work is done properly to prevent leaks or water damage. Water damage is one of the most common home insurance claims, so taking preventive steps here is key. Ready to Renovate?

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