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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Majesco

MARCH 27, 2025

When she recently realized that her premiums for both vehicles were nearly identical (and they had both gone up), she called her insurance agent. The agent suggested a telematics-based insurance product for the convertible to optimize pricing. The tipping point mindset shift a toehold for insurers in a disrupted market.

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Jackson & Jackson

MAY 23, 2024

Small business insurance covers property damage, liability claims, and employee-related risks. When selecting insurance coverage, assessing your business’s specific needs is essential. While basic coverage can provide a level of protection, your business might have additional risks that warrant extra coverage.

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Shield Insurance Agency

APRIL 19, 2024

This coverage pays for damages to your vehicle regardless of fault, meaning that even if you are at fault for the accident, your insurance will cover the repair costs up to the actual cash value of your vehicle, minus your deductible. The deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in.

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TGS

SEPTEMBER 6, 2023

However, for many home renovation projects, you will need to inform your insurance agent. Whether it’s a big project involving reconstruction of part of your home, or a small project that will increase the value of your home or personal property, your renovation will affect your homeowners insurance. New Home Value?

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Jackson & Jackson

MAY 22, 2024

However, with great opportunities come great risks. Investors must understand the importance of securing comprehensive commercial property insurance coverage to protect their investments. It protects against perils like fire, explosions, storms, and other risks outlined in the policy.

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Redbird Agents

JULY 12, 2024

Presenting hospital indemnity with every Medical insurance sale is a choice every agent has and most choose not to. Of course not, because eligibility hurdles exist with hospital indemnity insurance plans. Cross selling can and is confusing to most insurance agents, you’re not alone. Spoiler Alert!!

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Jackson & Jackson

APRIL 28, 2024

Mistake 2: Overlooking Additional Necessary Coverages Standard property insurance policies do not cover everything. Specialized risks, such as floods, earthquakes, and business interruptions, require additional coverage, which many investors should pay more attention to. In California, consider adding earthquake and flood 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., Quality Coverage with GeoVera By positioning earthquake insurance as a crucial part of financial security, you establish yourself as an expert, guiding clients toward better protection.

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Maritime Insurance International

MARCH 3, 2020

Relatively few states mandate boat insurance as a requirement for registering a boat of any size or horsepower. That said, the risks that boat owners face are not that different from the risks of owning a car. Given the risks you face, boat insurance can be a wise purchase to help protect your investment.

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Smart Insurance Agents

AUGUST 19, 2024

These Medicare Supplement Insurance plans provide extra help for the costs that Original Medicare does not cover. These plans are sold by private insurance companies. Medigap helps with out-of-pocket costs like deductibles, copays, and coinsurance, providing clearer financial protection.

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Bankers Insurance

MAY 16, 2024

Sustained losses inflicted by natural disasters spurred some insurance companies to pull out of the homeowners insurance market in high-risk areas, such as California and Florida, leaving residents with fewer options and higher prices. Reduce liability risks. billion each. Not a client of ours?

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TGS

NOVEMBER 15, 2024

For example, if your second car is a brand-new SUV, you may want to opt for comprehensive coverage with lower deductibles. On the other hand, an older vehicle that’s mostly used for quick errands may only need liability insurance. Just be prepared for a higher bill compared to insuring only one vehicle.

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Bankers Insurance

AUGUST 8, 2024

For example, if an insured’s property is valued at $1 million, but their coverage limit is $700,000 and their policy includes an 80% coinsurance clause, they would likely receive only $43,750 after incurring $50,000 in property damage from a covered event, depending on when their deductible is applied (700,000/800,000) x 50,000 = 43,750).

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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. Why Would I Have to Get South Carolina Wind Pool Insurance? This program started in 1971.

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Smart Insurance Agents

AUGUST 23, 2024

The MPP aims to provide sponsors with a predictable and stable payment stream through cost sharing mechanisms, which will allow them to manage their risk more effectively. The 2025 Medicare Prescription Payment Plan (MPP) introduces an innovative risk-sharing model that supplants the existing payment structure.

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Smart Insurance Agents

AUGUST 31, 2024

However, numerous studies have shown that the use of dental anesthesia, when administered properly by a qualified professional, does not pose any significant long-term risks to the patient’s health. The plan’s annual maximum and deductible are also crucial factors to consider.

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Smart Insurance Agents

JANUARY 11, 2025

When employees have access to health insurance, they are more likely to seek preventive care and early treatment, which can lead to better health outcomes. Moreover, health insurance fosters a sense of security among employees. HDHPs typically have lower premiums but higher deductibles, allowing businesses to save on monthly costs.

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Property Insurance Centre

SEPTEMBER 25, 2024

If your property is located in an area with a high risk of natural disasters, such as floods or earthquakes, your insurance premiums will be higher. If your property is older or in poor condition, it may be more at risk of damage or deterioration, which can result in higher insurance premiums.

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Smart Insurance Agents

SEPTEMBER 17, 2024

Whether it’s a routine pelvic exam or a high-risk pregnancy, OB-GYNs possess the specialized knowledge to offer optimal care. Impact on Insurance Coverage The classification of OB-GYNs as specialists significantly impacts insurance coverage and patient costs.

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Jackson & Jackson

MARCH 18, 2024

“Why Insure Your Luxury Handbags?” The risks surrounding your precious bags are real, from theft to damage due to natural disasters. An insurance policy covering your luxury handbags ensures you are protected from financial loss in unforeseen circumstances. .

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Smart Insurance Agents

OCTOBER 15, 2024

Longer lapses could lead to significant financial penalties, unless exemptions were claimed on your federal tax return, emphasizing the importance of keeping your health insurance active. Without insurance, even a minor health issue can result in significant unpaid bills, leading to financial strain.

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Redbird Agents

JUNE 14, 2024

Current Annuity News Getting Licensed to Sell Annuities Annuity Commissions How to Sell Annuities Annuity Basics and Sales Scenarios Top Annuity Companies Frequently Asked Questions We work with two types of life insurance agents Experienced life insurance agents. Life insurance agents that are new to selling annuities.

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Frankenmuth Insurance

SEPTEMBER 26, 2024

That means bigger financial hits for insurance companies. Factor #4: New insurance risks from electric vehicle sales. Electric vehicles are rising in popularity, but they’re causing a turn in the insurance industry. The blog content is not intended to serve as professional or expert advice for your insurance needs.

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Smart Insurance Agents

SEPTEMBER 2, 2024

This article breaks down these factors, such as provider networks, deductibles, and additional charges for polyp removal. Key Takeaways Colonoscopy costs can range from $1,250 to $4,800, with insurance significantly impacting out-of-pocket expenses. The national average is approximately $2,750.

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Bankers Insurance

JULY 8, 2024

For example, insurance for a $2,000 trip may cost $80 to $160. If you consider the expense for any troubles your employees may encounter, travel insurance can be a cost-effective option to avoid that risk. In most cases, the deductible requires the insured to pay about 10 percent of any loss. Additionally, the U.S.

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Distinguished

MARCH 25, 2025

In short, their value is highly subjective and requires expertise and connections beyond most insurance agents or brokers. In this guide, well break down the unique value of antique duck decoys, key appraisal considerations, and what you need to know to offer the right insurance solutions.

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