Distinguished

MARCH 20, 2025

Unlike single-family homes, apartment complexes face heightened risks damage from one unit can quickly spread to others, liability claims can stem from common areas, and evolving building codes can demand costly upgrades. The court awarded her a staggering $13 million in damages.

Building 52

Building Protection Damage Liability 52

Freeway Insurance

JANUARY 3, 2025

Senate Bill 1107 , which increases minimum insurance requirements, is expected to further drive up premiums statewide. These drivers are often seen as higher risk by insurers, which can lead to higher premiums even before the 2025 hike. million uninsured drivers in the state.

Auto Insurance 98

Auto Insurance Premium Liability Insurer 98

Scott Insurance

JULY 9, 2024

Water damage, one of the leading and most costly causes of property damage in the U.S., However, many homeowners are unaware of one simple solution that can prevent damage, save them money and give them peace of mind. Often, water damage inside the home is caused by leaks in the plumbing system.

Damage 52

Damage Theft Property Damage Insurance Carrier 52

TGS

OCTOBER 25, 2024

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. If you’re wondering why your premiums have spiked, you’re not alone.

Home Insurance 52

Home Insurance Premium Insurer Insurance 52

Distinguished

FEBRUARY 24, 2025

Based on our decades of experience in this industry, here are some of the top exposures we see restaurants facing in markets like Charlotte: Fire damage: Fire is a constant risk in hot kitchens, and even a small incident could lead to heavy repair bills and a temporary closure. What Does Distinguisheds Restaurant Insurance Cover?

Liability 52

Liability Liability Insurance Insurer Insurance 52

Distinguished

FEBRUARY 10, 2025

Whats Covered The policy covers a wide range of risks for direct physical damage, including fire and theft, under an all-risk policy structure with broad coverage. Specific hazards, typically on a location basis, may be restricted, like water damage for flood-prone areas or basement and first-floor storage.

Broker-Agent 52

Broker-Agent Insurer Insurance Insured 52

TGS

NOVEMBER 12, 2024

TGS Insurance » Blog Unlocking a Smart Home Insurance Discount: How Your Gadgets Can Lower Your Premiums If you’ve recently dipped a toe into the world of smart home technology, you’re likely familiar with the benefits of convenience. A smart water leak detector can sense leaks early and alert you before significant damage occurs.

Home Insurance 52

Home Insurance Premium Insurer Insurance 52

Property Insurance Centre

MARCH 11, 2025

Higher Property Values and Rebuild Costs London property prices are significantly higher than the national average, which means higher rebuild costs and, consequently, higher insurance premiums. Higher Crime Rates and Security Concerns London experiences more burglary, vandalism, and theft claims compared to rural or suburban areas.

Risk 52

Risk Insurer Insurance Insured 52

TGS

DECEMBER 13, 2024

A slip, a loss, or even theft? 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. These arent just shiny trinketstheyre symbols of love, history, and accomplishment.

Protection 52

Protection Theft Insurer Insurance 52

Jackson & Jackson

APRIL 26, 2024

It provides coverage for physical damage to your property and any loss of income due to business interruption. Key Coverages for California Property Investors Property Damage : Covers damage to your buildings and contents caused by fire, theft, vandalism, and natural disasters.

Commercial Property 52

Commercial Property Property Insurance Commercial Business Interruption 52

Freeway Insurance

OCTOBER 8, 2023

It could be an accident, theft or storm damage, for example. Increased premiums When you make an insurance claim after an accident, especially if it is your fault or a large claim, there is a chance that your insurance company will charge you more for your insurance in the future. This is called a premium increase.

Auto Insurance 52

Auto Insurance Insurance Claim Claim Out-Of-Pocket 52

Protect Commercial Insurance

NOVEMBER 1, 2024

Its primary purpose is to protect landlords from financial loss stemming from tenant-related incidents, property damage, and other rental-specific risks. Definition and Purpose Standard home insurance is designed for individuals who live in their property, covering both the home and possessions inside it from damage and theft.

Home Insurance 52

Home Insurance Out-Of-Pocket Insurer Insurance 52

Jackson & Jackson

APRIL 30, 2024

Understanding Location-Based Risk Factors Location plays a pivotal role in determining insurance premiums for commercial properties. Properties in high-risk zones for these disasters typically see higher insurance rates due to the increased likelihood of damage—especially the Brush Areas in California.

Commercial Property 52

Commercial Property Property Insurance Commercial Crime 52

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. It may also cover damage caused by burst pipes, subsidence, or accidental damage.

Building 52

Building Insurer Insurance Insured 52

Cover4LetProperty

JANUARY 29, 2024

Essentially, insurance is about risk and a calculation of the probability of loss or damage being suffered by the insured item or items. Risk is assessed with respect to the likelihood of loss or damage leading the insured to make a claim, since the settlement of claims paid out to the insured represent a liability for the insurer.

Home Insurance 52

Home Insurance Insurer Insurance Insured 52

Protect Commercial Insurance

NOVEMBER 8, 2024

By understanding your policy needs, shopping around, and exploring available discounts, you can effectively manage insurance premiums and keep your business financially secure. It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries.

Commercial Insurance 52

Commercial Insurance Commercial Premium Deductible 52

Property Insurance Centre

NOVEMBER 11, 2024

” or can’t get the insurance you deserve for that matter – insurance with reasonable premiums and without unnecessary restrictions. Insurers, do not however, look on negatively when a customer claims for substantial damage when they need genuine help. Getting an alarm will often be a deterrent in the first instance.

Insurer 52

Insurer Insurance Insured Premium 52

Distinguished

SEPTEMBER 25, 2024

Job sites that are under construction are prone to things like fire, theft, and vandalism. Vandalism : Intentional damage to the job site by third parties, including things like broken glass or graffiti. Theft : Covers the cost of replacing covered items that were stolen from the job site.

Risk 52

Risk Broker-Agent Insurer Insurance 52

Distinguished

FEBRUARY 10, 2025

Whats Covered The policy covers a wide range of risks for direct physical damage, including fire and theft, under an all-risk policy structure with broad coverage. Specific hazards, typically on a location basis, may be restricted, like water damage for flood-prone areas or basement and first-floor storage.

Insurer 52

Insurer Insurance Insured Damage 52

Distinguished

FEBRUARY 10, 2025

Whats Covered The policy covers a wide range of risks for direct physical damage, including fire and theft, under an all-risk policy structure with broad coverage. Specific hazards, typically on a location basis, may be restricted, like water damage for flood-prone areas or basement and first-floor storage.

Insurer 52

Insurer Insurance Insured Damage 52

Distinguished

AUGUST 5, 2024

These drawbacks include: No protections outside the home : If a collectible goes missing or is damaged while it is outside of your client’s home, like on the way to auction, then it may not be covered.  If your client owns a toy that is worth tens of thousands of dollars, they might not be reimbursed for the full cost should it get damaged. 

Broker 52

Broker Insurer Insurance Insured 52

Protect Commercial Insurance

JULY 26, 2024

Property insurance can protect these assets from damage or loss due to fire, theft, or other covered perils. It provides coverage for third-party bodily injury or property damage claims that may arise from accidents on your premises or as a result of your products or services. These discounts can help reduce your premiums.

Commercial 52

Commercial Insurance Broker General Liability Business Interruption 52

Distinguished

JULY 22, 2024

Theft, damage during transport, or accidental breakage can devastate a collection that has taken years to assemble. So, if a piece is stolen or damaged while being transported for appraisal or exhibition, it likely wouldn’t be covered.

Insurer 52

Insurer Insurance Insured Policy 52

Protect Commercial Insurance

NOVEMBER 22, 2024

While it might sound complicated, this actually means your premium is tailored to fit your needs, ensuring you don’t overpay for unnecessary coverage. Bundling different types of coverage—think of it as grouping all your essential services in one place—can also help reduce premiums. Each policy has specific inclusions and exclusions.

Commercial Insurance 52

Commercial Insurance Commercial Cyber Liability 52

Jackson & Jackson

MAY 22, 2024

It covers property damage, loss of income, liability claims, etc. With the right insurance coverage, investors can mitigate financial losses resulting from unforeseen events such as fires, storms, theft, or vandalism. A comprehensive insurance policy that includes essential coverage, such as fire, theft, and liability, is crucial.

Property Insurance 52

Property Insurance Commercial Property Commercial Insurer 52

Property Insurance Centre

DECEMBER 23, 2024

Having a Fully maintained Theft Alarm Having a Fire Alarm Having Grilles & Shutters on ground floor accessible windows CCTV both internally and externally Anti ram raid road bollards These may be some of the more common protections that most of us will have heard of. So it is essential you check urgently if you have not done so already.

Commercial Property 52

Commercial Property Insurer Insurance Insured 52

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!

Insurer 52

Insurer Insurance Insured Premium 52

Freeway Insurance

OCTOBER 26, 2023

If your area has more crime, such as car theft and vandalism, the cost of your insurance may go up because you are more likely to have to make a claim. Your age, driving record, and the insurance regulations in the state in which you live are among the chief determining factors that will set your premiums. But that’s only for starters.

Crime 52

Crime Auto Insurance Insurer Insurance 52

Maritime Insurance International

MARCH 3, 2020

A boat insurance policy could offer you coverage for the following: Property Damage. An accident resulting in damage to or loss of your own boat or someone else’s property can be covered. Loss of your boat to theft, fire, or serious weather events while it’s moored in a marina or in storage can be protected. Bodily Injury.

Insurer 40

Insurer Insurance Insured Premium 40

Distinguished

SEPTEMBER 10, 2024

This includes damages that arise from: Fires Theft Vandalism Weather events We are also proud to offer coverages beyond property damage for buildings, temporary structures, and building materials. Our program also offers your clients general liability insurance, which can help cover legal costs that can occur on work sites. 

Risk 52

Risk General Liability Broker-Agent Insurer 52

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.”

Home Insurance 52

Home Insurance Damage Protection Insurance Agency 52

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.

Insurer 52

Insurer Insurance Insured Property Insurance 52

Property Insurance Centre

JANUARY 30, 2024

Key aspects to consider when buying buildings insurance include reviewing the policy’s exclusions , understanding excesses , comparing premiums, and evaluating the level of customer service provided by the insurer. Review the policy’s exclusions , understand excesses , and compare premiums.

Building 52

Building Insurer Insurance Insured 52

Property Insurance Centre

MAY 20, 2024

damage caused by a leak). Terrorism Cover for Block of Flats Insurance policies for individual houses typically include cover for damage or loss caused by an Act of Terrorism. Construction Type : The materials and construction methods used can influence the coverage, particularly concerning fire resistance and susceptibility to damage.

Building 52

Building Liability Insurer Insurance 52

Cover4LetProperty

JANUARY 21, 2023

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?

Insurer 52

Insurer Insurance Insured Damage 52

Cover4LetProperty

DECEMBER 1, 2023

Landlord insurance: Addresses specific risks associated with renting, such as tenant damage to the property. Tenant-related issues Home insurance: Typically does not address issues related to tenants, as it is not designed for rental situations. How can I be sure I have the correct type of insurance?

Home Insurance 52

Home Insurance Insurer Insurance Insured 52

Protect Commercial Insurance

OCTOBER 25, 2024

Think about the everyday operations of your business: – Are there physical locations that require protection from natural disasters or theft? Reflect on: – How much you can comfortably allocate from your business budget for insurance premiums. – Do you handle sensitive customer data?

Business Insurance 52

Business Insurance Liability Insurance Liability Policy 52