TGS

SEPTEMBER 6, 2023

When taking on new home renovations, your homeowners insurance policy might not be the first thing on your mind. Let’s take a look at some of the most common ways that home renovations will impact your insurance policy. What Will a Standard Home Insurance Policy Cover During Renovations?

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Smart Insurance Agents

OCTOBER 13, 2024

But “no waiting period” dental insurance policies let you use certain dental services right away, starting from the first day of your policy. Understanding dental insurance policies without waiting periods can help you make an informed decision when choosing the right plan for your dental needs.

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Frankenmuth Insurance

JANUARY 16, 2025

As your business grows, so can your risks, making it essential to review, reassess, and possibly adjust your insurance policy each year. Were breaking down the key steps in the business insurance renewal process so you can feel confident youre covered, protected, and getting the best value for your policy. Youve asked questions.

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Simply Insurance

OCTOBER 5, 2024

The costs are based on the policy coverage limits, deductibles, the company you choose, and location. The average cost of renters insurance is $15.58 per month or $187 per year.

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Boyle Agency Insurance

DECEMBER 3, 2024

Deductibles The deductible is the amount you must pay out of pocket before your insurance coverage kicks in after an accident. A higher deductible generally leads to lower premiums, but it also means you will have to pay more in case of a claim so cheaper is not always better!

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TGS

OCTOBER 30, 2024

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. Sure, the premium—the amount you pay for the policy—matters. That’s right.

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Leadsurance

NOVEMBER 19, 2024

Just remember, when comparing apples with apples in terms of the level of coverage as well as deductibles, make sure you are actually doing so compared with other quotes. Up Your Deductive Your deductible is the cash amount you agree to pay when making a claim, whereas the insurance only kicks in thereafter.

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Prof. Allan Manning

MARCH 11, 2024

All differences relating to the amount of such increase in site value shall forthwith be referred to the decision of two registered valuers; one to be appointed by each of the parties to this policy. If the Insured could keep what the endorsement defines as salvage they would be much, more than being fully indemnified.

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Frankenmuth Insurance

JULY 25, 2024

What are the coverage limits and deductibles? What deductible do I have to meet before my coverage kicks in? Can I adjust my deductible down the road? What disasters or damages are not covered by this policy? Are my policies built to grow and adapt as my business needs change? Do you offer safety services?

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TGS

OCTOBER 3, 2023

To feel confident in your policy before you sign, make sure you understand how to read a homeowners insurance quote. You only pay when purchasing the policy. Policy Number 3. Policy Period 5. Deductibles 8. Policy Number If you ever need to file a claim, this policy number is what you will use.

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ProWriters

NOVEMBER 13, 2024

Businesses should: Assess Vendor Risk Businesses should ensure their insurance policies account for risks associated with dependencies on external vendors. Understand Coverage Limits Businesses must closely examine their Cyber Insurance policies to understand what is covered in the event of an IT outage caused by third-party vendors.

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Distinguished

DECEMBER 2, 2024

Public art insurance is a specialized insurance policy designed to provide coverage to all artwork or valuable collectibles owned or loaned to a public institution.  For instance, a city could take out a public art insurance policy that would cover any artwork, historical artifacts, or even outdoor sculptures owned by that city.

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Jackson & Jackson

APRIL 29, 2024

Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums. Strategy: Assess your financial ability to handle a higher deductible without jeopardizing your operations. Strategy: Assess your financial ability to handle a higher deductible without jeopardizing your operations.

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Healthinsurance.org

DECEMBER 3, 2024

This means the out-of-pocket costs counted against your deductible and out-of-pocket maximum will reset to $0, even if you have out-of-pocket expenses in January. Out-of-pocket expenses reset to $0 on January 1 for all marketplace plans, so your auto-renewed policy will start over with a new deductible at that point.

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Frankenmuth Insurance

SEPTEMBER 26, 2024

Now that you know the reasons why car insurance rates are increasing, we invite you to talk to us about your auto policy and potential savings via discounts, pay frequency, and higher deductibles. Contact your local, independent insurance agent for coverage advice and policy services. appeared first on Home.

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Shield Insurance Agency

APRIL 19, 2024

Among these requirements, collision coverage is a significant aspect that drivers should understand in order to make informed decisions about their insurance policies. The deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in.

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TGS

NOVEMBER 15, 2024

TGS Insurance » Blog Adding a Second Car to Insurance: What to Know Before You Drive Off Whether your family is growing, or you’re just tired of sharing one set of wheels, adding a second car to your insurance policy can bring about both benefits and a few challenges. Why Add a Second Car to an Existing Insurance Policy?

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Protect Commercial Insurance

JULY 26, 2024

In this article, we will provide you with four essential tips to help you understand your coverage needs, find the best rates, review and update your policy regularly, and work with an experienced insurance broker. Insurers often provide discounts for bundling multiple policies, which can help you save on premiums. Let’s dive in!

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Healthinsurance.org

OCTOBER 16, 2024

For 2025, there are some changes to these subsidies: California : A state program that debuted in 2024 eliminated deductibles and other out-of-pocket costs for applicants with household incomes up to 250% of the federal poverty level (FPL). Covered California Policy and Action Items ” Covered California Board Meeting.

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Simply Insurance

JULY 26, 2024

The costs are based on the policy coverage limits, deductibles, the company you choose, and location. The average cost of renters insurance is $15.58 per month or $187 per year.

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Scott Insurance

JANUARY 28, 2022

In some situations, property policies might give a sub-limit to help with remediation costs. Environmental / Pollution Environmental/pollution policies are available in the market and can contemplate both the first party (property) and third party (general liability – bodily injury/property damage) mold exposure.

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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. Having the right insurance policy is vital for the continuity and smooth operation of any business. The good news?

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Shield Insurance Agency

AUGUST 20, 2024

Many policyholders may be tempted to file a claim for every little incident in the belief that their insurance policy will cover all damages. Loss of Discounts: Deductibles Frequent claim filing can also lead to the loss of discounts you may have earned, such as claims-free discounts.

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Smart Insurance Agents

AUGUST 31, 2024

Both medical and dental insurance are often discussed in relation to coverage for wisdom teeth extraction, making it crucial to understand the specifics of your policy. To determine if your wisdom teeth removal is covered, you should review your insurance policy and consult with your insurance provider or dental professional.

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Scott Insurance

JANUARY 31, 2024

Although individual rates are based on specific factors such as location, credit score, claims history, age of dwelling and deductible, some general trends are leading to higher rates across the board. Increased Replacement costs Most homeowners policies are designed to completely pay for replacing a home in the event of a total loss.

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TGS

OCTOBER 3, 2024

Deductible Amount Your deductible is the amount you pay out of pocket before your insurance kicks in. Opting for a higher deductible can lower your monthly premium. However, it’s a bit of a balancing act—you don’t want to choose a deductible so high that it’s a financial strain if you ever need to file a claim.

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Smart Insurance Agents

AUGUST 19, 2024

Key Highlights Comparing Medicare Supplement Plans Insurance, or Medigap, helps cover costs that Original Medicare doesn’t, like copays and deductibles. Here is where Medicare Supplement Insurance, also known as Medigap policies, is helpful. This includes copayments, coinsurance, and deductibles.

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Distinguished

SEPTEMBER 17, 2024

What are some of the key factors you consider when determining appropriate coverage limits and deductibles? If we are comfortable with our exposure, we may consider increasing the AOP deductible and the theft deductible , depending on the underwriting analysis. So specific to limits, I just mentioned security.

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Jackson & Jackson

MAY 23, 2024

For example, businesses in California’s earthquake-prone areas may consider adding earthquake insurance to their policy to protect their property from potential damage. Once you have a clear understanding of your risks, you can seek out insurance policies that provide the necessary coverage while avoiding unnecessary expenses.

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Jackson & Jackson

APRIL 28, 2024

Ensure your policy covers replacement costs rather than actual cash value, as this accounts for the depreciation of your assets. Mistake 2: Overlooking Additional Necessary Coverages Standard property insurance policies do not cover everything. How to Avoid It: Shop around and compare policies based on price and coverage.

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Distinguished

JULY 22, 2024

Unfortunately, these unique risks are rarely appropriately covered by standard homeowner insurance policies. Avid collectors who rely on their homeowner’s policy are likely to encounter low coverage limits — if their collectibles are covered at all. For most, this will mean a collectibles policy.

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PSM Brokerage

NOVEMBER 26, 2024

Hospital Indemnity Plans: Highlight the benefits of supplemental coverage for unexpected hospital stays, especially for high-deductible ACA plans. Life Insurance: Open Enrollment is an excellent time to discuss long-term security and introduce term or whole life policies.

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Freeway Insurance

OCTOBER 8, 2023

Right off the bat, you might have to pay your deductible, which is the amount you agreed to when you got your insurance. Deductibles When you have a car insurance claim, one of the first costs you will face is called a deductible. Think of it as a participation fee. These are called out-of-pocket expenses.

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Bankers Insurance

SEPTEMBER 12, 2023

Subrogation is more than just a fancy insurance term – it’s a right held by your insurance carrier under your policy that allows them to seek reimbursement from the party found responsible for the accident after they’ve paid a claim for a covered cause of loss. HOW LONG DOES SUBROGATION TAKE?

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TGS

DECEMBER 13, 2024

While standard homeowners insurance or renters insurance may offer limited protection for personal belongings, these policies often fall short when it comes to high-value items like jewelry. Theft : If your valuables are stolen, whether from your home or while traveling, a good policy ensures youre not left empty-handed.

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Triple-I: Business Insurance

OCTOBER 1, 2024

However, most such policies have waiting periods ranging from five to 10 days, and then deductibles, before payment is triggered. These coverages include, but are not limited to, business interruption, political risk, credit, supply-chain insurance, and some marine and cargo.

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Freeway Insurance

JANUARY 3, 2025

Many insurance professionals recommend taking steps now to handle a possible increase when you renew your insurance policy. Ask for Discounts : Many insurers offer car insurance discounts for safe driving, bundling policies, installing safety features in your vehicle, and driving less.

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