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.

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Wren Insurance Agency

AUGUST 28, 2024

At Wren, because we are protection minded, we always quote our home insurance policies using Replacement Cost Value (also known as RCV) on contents, versus Actual Cash Value (ACV). RCV is equal to the amount it would take to replace your contents at today's prices.

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Paragon Independent Insurance Agencies

JULY 31, 2024

The deductible is one of the most important decisions to make when choosing a homeowners policy. We are here to help you fully understand what a home insurance deductible is and which is best for you. What is a Home Insurance Deductible? To be more clear, you don’t pay the money to the insurance company.

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TGS

SEPTEMBER 6, 2023

TGS Insurance » Blog Do You Need to Tell Your Homeowners Insurance About Home Renovations? When taking on new home renovations, your homeowners insurance policy might not be the first thing on your mind. However, for many home renovation projects, you will need to inform your insurance agent.

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Property Insurance Centre

SEPTEMBER 11, 2024

What does a Lift Inspection Policy cover? What does a Lift Inspection Policy cover in conjunction with a Purpose Built Flats Insurance Policy? Lift Inspection policies will often accompany a Purpose Built Flats Insurance Policy, and for good reason.

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Boyle Agency Insurance

MAY 3, 2024

This Bogle Agency Insurance blog post will guide you through the necessary steps to take after a disaster strikes and how to navigate the home insurance claims process smoothly. Home Insurance Claim Step I: Assess the Safety of Your Home After a disaster, the safety of you and your family should be the top priority.

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Paragon Independent Insurance Agencies

SEPTEMBER 30, 2024

Ensure your tiny house is insured against theft and damage. Begin by conducting a comprehensive home assessment, then select residential coverage to include in your insurance policy. Home Insurance Like any other residence, a tiny home is eligible for various types of home insurance coverage.

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Paragon Independent Insurance Agencies

JUNE 28, 2024

Residential upgrades that are conducted on your land or in your home may require additional residential insurance coverage. Then, adjust your insurance policy accordingly. Your residential insurance policy can list the items you invest in. Review the upgrades that follow.

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TGS

SEPTEMBER 14, 2023

TGS Insurance » Blog Additional Insured vs. Additional Interest Explained Additional insured and additional interest are two very different roles that a person can play as a part of your insurance policy. In short, an additional insured is covered by your insurance, while an additional interest is not.

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Mark Jackson Insurance Agency

MAY 21, 2024

Home Office Desk by Ken Tomita The rise of home-based businesses has been one of the most significant shifts in the modern work landscape. While operating a business from home offers convenience and flexibility, it also necessitates careful consideration of insurance needs.

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Wren Insurance Agency

OCTOBER 23, 2024

Now that we are in the thick of the official hurricane season here in Florida, you may have noticed - if you recently tried to bind a new home insurance policy - that most carriers will stop writing up to a week or two prior to a named storm possibly impacting the state.

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TGS

OCTOBER 6, 2023

A big first step is confirming that you have the correct person or people listed on your homeowners policy! The most common practice is to match the home insurance to the home deed. Those listed on your home insurance, known as the named insured, have the power to make changes to the policy, cancel it, or make a claim.

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Wren Insurance Agency

SEPTEMBER 18, 2024

First and foremost, you will need a homeowners insurance policy on the residence, even though it isn't your primary location. So regular homeowners insurance (or condo insurance) on the home itself is required, especially if the home is financed.

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Paragon Independent Insurance Agencies

MARCH 15, 2024

When acquiring new home appliances, consider incorporating them into your existing home insurance policy. Don’t hesitate to contact our representatives at Paragon Independent Insurance Agency for assistance updating your personal insurance policy.

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Wren Insurance Agency

JULY 22, 2024

When you purchase your first home, if you are using a mortgage lender to finance your investment, you'll learn that your property taxes and home insurance fees are going to be included in your monthly mortgage amount. Property taxes are paid in arrears and homeowners insurance is paid in advance.

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TGS

SEPTEMBER 22, 2023

TGS Insurance » Blog What is Homeowners Insurance Non Renewal? Receiving the news that you can’t just automatically renew your home insurance policy can be shocking and stressful. There are a number of reasons why an insurance carrier can decide not to offer you a home insurance policy renewal.

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Wren Insurance Agency

AUGUST 7, 2024

Whether you just signed up for a policy to meet a deadline but want to keep shopping your options, or if you're only a few weeks out from your renewal, you have the right to change your insurance carrier anytime you'd like. Citizens - the State-backed home insurer is one of the only exceptions to this.

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Cover4LetProperty

DECEMBER 1, 2023

The main difference between home insurance and landlord insurance lies in the intended purpose and cover. The main difference between home insurance and landlord insurance lies in the intended purpose and cover. Landlord insurance: specifically tailored for properties that are being let to tenants.

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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. How Do You Get a Quote on Home Insurance, and How Long Does it Take? You can get a free homeowners insurance quote by visiting the carrier website or by consulting an independent agency like TGS Insurance.

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Shield Insurance Agency

JUNE 11, 2024

The Red Cross | Thunderstorm | Home Insurance | Auto Insurance | Contact Us Need Help Now? Thunderstorms often bring powerful winds that can knock down trees, power lines, and mobile homes, intense rainfall that causes flash floods, tornadoes, lightning strikes that can spark fires, as well as damaging hail.

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Cover4LetProperty

NOVEMBER 3, 2024

The use to which the dwelling is put, determines the type of insurance required The distinction is very important to any property owner looking to safeguard his or her investment by arranging insurance cover. Can I use home insurance for my buy to let property? So, what is suitable landlord insurance – what does it cover?

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TGS

NOVEMBER 1, 2024

You’ll need their name, contact details, insurance policy number, and driver’s license information. Also, take photos of any visible injuries you or your passengers sustained. The more detailed your documentation, the better. Don’t forget to exchange information with the other driver.

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Wren Insurance Agency

JULY 8, 2024

Here are a few things to keep in mind while looking at homes that can help keep your insurance rates down: Cast iron pipes. If the home you are considering has a roof under 10 years old, you will have the most options when it comes to home insurance. Your options lessen with 11-15 year old roofs.

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Maritime Insurance International

JUNE 5, 2020

While every policy is different, in most cases, homeowner’s insurance policies only offer limited coverage for boats. In this post, we’ll walk you through everything you need to know about whether or not homeowner’s insurance covers boats and the advantages of purchasing a dedicated boat insurance policy instead.

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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 state like Florida, every driver is required to carry Personal Injury Protection (PIP) coverage.

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Cover4LetProperty

OCTOBER 1, 2024

Buy to let insurance is a specialised type of insurance that covers the unique risks faced by landlords. While it shares some similarities with standard home insurance, it includes additional protection tailored to rental properties and tenants.

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Cover4LetProperty

APRIL 16, 2024

Landlord insurance UK landlord insurance is a specialised type of insurance designed to provide cover for individuals who own properties that they rent out to tenants. This insurance typically goes beyond standard home insurance to address the unique risks and liabilities associated with being a landlord.

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TGS

OCTOBER 17, 2023

A captive agent is obligated to sell you an insurance policy with one specific carrier. In order to accomplish that, a captive agent is biased to convince you that their carrier offers the best insurance for you. Impartiality is one of the key benefits of an independent insurance agent.

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TGS

SEPTEMBER 29, 2023

TGS Insurance » Blog What is Electric Vehicle Insurance? Electric vehicles can be complex, but when it comes to auto insurance, they’re surprisingly simple. Auto insurance policies are written in the exact same way for gasoline-powered and electric vehicles alike. Tell your agent!

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Cover4LetProperty

AUGUST 15, 2022

Beware of the headline price One possible problem with products branded as low-priced or cheap landlords’ insurance, though, is that the attractive price tag may have been achieved at the cost of the levels of let property insurance cover provided. Does cheap landlords’ insurance really exist?

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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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Frankenmuth Insurance

NOVEMBER 14, 2024

Take photos of the damage for your insurance records. Review your insurance policy. Talk to your insurance agent to evaluate your homeowners insurance policy and coverages. Emergency home repair #2: Frozen pipes. Reach out to professionals.

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Wren Insurance Agency

SEPTEMBER 3, 2024

Overflow of inland or tidal waters, heavy runoff from significant rainfall, collapse or destabilization of land along a body of water due to erosion, or unexpected wave activity can all cause flooding events in your home that aren't covered by your typical HO3 policy.

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TGS

OCTOBER 3, 2024

If your credit score has improved over time, it might be worth revisiting your insurance policy to see if you qualify for a better rate. Save On Your Florida Homeowners Insurance With TGS Insurance Managing these factors that affect homeowners insurance premiums could add money back into your wallet.

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Property Insurance Centre

SEPTEMBER 25, 2024

Accidental damage is not usually covered by a normal building insurance policy. These can be added to your policy for an additional premium. Exclusions Building insurance policies will have exclusions, which are specific events or circumstances that are not covered by your policy.

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Property Insurance Centre

JANUARY 30, 2024

Freehold Block of Flats Insurance: Top Cover Tips If you own a freehold block of flats , it’s crucial to have the right insurance coverage to protect your investment. Standard home insurance policies may not provide adequate protection for the unique risks associated with a block of flats.

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Redbird Agents

JULY 9, 2024

I spoken with thousands of insurance agents, many of whom are venturing out on their own for the first time. They’ve been misled by friends claiming that selling insurance policies as an independent insurance agent is straightforward and profitable. How to sell life insurance from home?

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