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. Insurance companies take this aging process into account when assessing risk, and as your home’s structure and systems age, the likelihood of a claim increases.

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TGS

SEPTEMBER 11, 2023

Calculating Your Rates With Wind Pool Additional Windstorm Insurance Options With TGS What is the South Carolina Wind Pool? The South Carolina Legislature required insurance to be available to at-risk coastal homes. This covers any damage caused by wind or hail events. Does South Carolina Require Windstorm Insurance?

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TGS

NOVEMBER 12, 2024

Why Insurance Companies Love Smart Home Tech (Hint: It’s All About Risk Reduction) So, here’s the question: why would an insurance company care if you have a smart thermostat or a video doorbell? Well, it all comes down to risk. To insurance providers, that’s a win.

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TGS

NOVEMBER 27, 2024

Let’s dive into some budget-friendly safety upgrades that can help you save money while giving your home insurance provider fewer reasons to worry. Why Home Safety Affects Insurance Premiums Insurance companies calculate premiums based on risk. Keeping your landscaping tidy reduces both risks.

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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? Why Risk It? Let’s be honest—going without insurance might feel like a way to save money, but the risks far outweigh any short-term savings.

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ProWriters

APRIL 3, 2024

Today’s dynamic business environment and litigious society pose several risks to businesses. As they seek to secure the insurance they need to protect themselves, some companies’ decision-makers may get confused about E&O vs. EPLI policies. E&O Insurance protects against claims of negligence or inadequate work.

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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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TGS

DECEMBER 13, 2024

Insurance policies for jewelry can vary, but most provide coverage for common risks, such as: Loss : Ever misplaced a ring at the gym or dropped an earring at a bustling party? 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.

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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

OCTOBER 28, 2024

Conversely, if you’re someone who drives less frequently and in low-risk areas, you might feel comfortable taking on a higher deductible because the chances of needing to file a claim are reduced. Fewer miles on the road typically mean a lower risk of an accident, which could make a higher deductible and lower premiums a safe bet.

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TGS

DECEMBER 18, 2024

TGS Insurance Blog Christmas Light Safety Tips Christmas lights are the ultimate way to turn your home into a festive wonderland, but they also come with a few safety risks if not handled properly. Inspect Before You Illuminate Before you hang even a single strand, inspect your lights for damage.

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TGS

JANUARY 6, 2025

Insurers will need to adjust rates to accommodate the increased coverage levels. The Risk of Increased Uninsured Motorists One concern raised by experts is whether higher premiums will push more drivers to drop their insurance altogether, increasing the rate of uninsured motorists. Why Are the Minimum Limits Increasing?

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TGS

DECEMBER 4, 2024

While they don’t dry out, artificial trees can still pose fire risks, especially if they’re not fire-resistant. And if your tree includes built-in lights, inspect the wiring for any signs of wear or damage. Replace damaged strings immediately. After all, nobody wants their tree lighting up for all the wrong reasons.

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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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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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Protect Commercial Insurance

DECEMBER 6, 2024

Early Developments in Business Coverage Long before modern commercial insurance, businesses faced the daunting task of safeguarding their assets against unforeseen calamities. The notion of business coverage can be traced back to medieval times, when the shipping industry first implemented rudimentary forms of risk management.

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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? Consult with your insurance agent to avoid a lapse in your home insurance. >>

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American Agents Alliance

SEPTEMBER 4, 2024

The Earthquake Risk The Northridge earthquake of 1994 struck the densely populated San Fernando Valley in southern California, U.S., 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. on January 17, 1994.

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TGS

NOVEMBER 25, 2024

Here are a few others to watch out for: Overloaded Kitchens: With every burner working overtime and countertops crowded with dishes and decorations, the risk of something flammable catching fire skyrockets. That’s where homeowners insurance steps in. But that’s not the only culprit. Turkey Fryer Mishaps: Deep-fried turkey? Not so much.

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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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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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Freeway Insurance

OCTOBER 26, 2023

If those calculations point to the possibility that the insurance company could lose money on the customer, they’ll either reject the applicant or set the rates high enough to boost the odds of turning a profit despite the heightened risk. While a low price may seem like a good deal, you need to think about what the insurance covers.

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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

So, you may be relieved to discover that there are some buy to let insurance providers – such as ourselves at Cover4LetProperty – who impose no such tenant restrictions and who make no such distinctions. 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

Home renovations can introduce risks to your property, so here are essential tips to protect both your home and your insurance coverage during the process. For instance, upgrading electrical panels, replacing old wiring, or installing hardwired smoke detectors can help prevent accidents and lower your insurance premiums.

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