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TGS Insurance » Blog 5 Must-Know Tips for Comparing HomeInsuranceQuotes Choosing the right homeinsurancepolicy 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.
For homeowners, this means staying proactiveregular roof inspections, timely repairs, and understanding your insurancepolicy are more critical than ever. This blog post is based on information from Verisk’s “U.S. Roofing Realities Trend Report,” as reported by IA Magazine.
TGS Insurance » Blog What Is a Homeowners InsuranceQuote? A homeowners insurancequote is the proposed amount that you would pay an insurance carrier to cover your home. To feel confident in your policy before you sign, make sure you understand how to read a homeowners insurancequote.
TGS Insurance » Blog Do You Need to Tell Your Homeowners Insurance About Home Renovations? When taking on new home renovations, your homeowners insurancepolicy might not be the first thing on your mind. However, for many home renovation projects, you will need to inform your insurance agent.
Simply put, equipment breakdown coverage is an optional endorsement that may be added to certain homeowners insurancepolicies. It protects you from unexpected failures of essential home systems and appliances due to mechanical, electrical, or pressure-related issues. This is where equipment breakdown coverage steps in.
Policy Information Details of the insurancepolicies under which the claims were filed. Property Information The homes address, and for auto claims, vehicle details. Insurance companies rely on these reports to assess risk when underwriting a new policy.
Most standard homeowners or renters insurancepolicies offer limited coverage for high-value items, often capping jewelry and other valuables at a fraction of their worth. Imagine losing a $10,000 diamond engagement ring, only to find out your insurance only covers $1,500 of it. What Is Valuable Articles Insurance?
TGS Insurance Blog What to Expect from a HomeInsurance Inspection If you’re in the process of securing a homeinsurancepolicy or renewing an existing one, chances are you’ve come across the term homeinsurance inspection. Why Do HomeInsurance Inspections Happen?
TGS Insurance » Blog Top Reasons Your HomeInsurance 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 homeinsurance premium has gone up—it can feel more like a nightmare.
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 insurancepolicy. In short, an additional insured is covered by your insurance, while an additional interest is not.
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 homeinsurance to the home deed. Those listed on your homeinsurance, known as the named insured, have the power to make changes to the policy, cancel it, or make a claim.
TGS Insurance » Blog What is Homeowners Insurance Non Renewal? Receiving the news that you can’t just automatically renew your homeinsurancepolicy can be shocking and stressful. There are a number of reasons why an insurance carrier can decide not to offer you a homeinsurancepolicy renewal.
So, how can you keep your home and loved ones safe this Thanksgiving? Let’s dive into some practical fire safety tips and explore how a solid homeinsurancepolicy can add a layer of protection—just in case the unexpected happens. Where Does HomeInsurance Come In? That’s where homeowners insurance steps in.
Having a robust homeowners insurancepolicy ensures youre ready for the unexpected. At TGS Insurance Agency, were here to help you find the right homeinsurancepolicy tailored to your needs. Contact us today to secure your peace of mind.
While every policy is different, in most cases, homeowner’s insurancepolicies 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 insurancepolicy instead.
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. Thats why standalone jewelry insurance existsto provide comprehensive protection for the items that mean the most to you.
As you merge lives, youll likely merge insurancepolicies, too. Combining auto insurance , homeinsurance , and/or health insurance under a single provider often means discounts. Have you considered how tying the knot might affect your life insurance? But dont forget the fine print.
You’ll need their name, contact details, insurancepolicy 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.
It serves as a go-to reference for you and your insurance company, making it easier to replace or reimburse your belongings in the event of a loss. Why is a Home Inventory Important for Insurance? Snap photos of individual items or do a video walkthrough of your home, narrating details as you go.
Christmas Tree Safety and Your HomeInsurance By keeping these tips in mind, you’re not just safeguarding your home—you’re ensuring your holiday season is filled with joy and peace of mind. That’s why having the right homeinsurance coverage is essential to protect your family and home from unexpected events like fires.
A captive agent is obligated to sell you an insurancepolicy 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.
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 insurancepolicies are written in the exact same way for gasoline-powered and electric vehicles alike. Tell your agent!
A common question is whether or not homeinsurancepolicies cover boats. The fact is that some homepolicies do and some do not. If your boat is worth more than the coverage offered by your homeinsurancepolicy, purchasing a dedicated boat insurancepolicy is a good idea.
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?
Your property must have a roof that is in good condition (determined by the insurance provider). As with most insurancepolicies, your property will be inspected to ensure it meets the Southern Building Code and the Federal Flood Construction and Zoning guidelines. Your property must not be used for illegal or immoral purposes.
If your credit score has improved over time, it might be worth revisiting your insurancepolicy 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.
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 insurancepolicy can bring about both benefits and a few challenges. Why Add a Second Car to an Existing InsurancePolicy?
The Basics: Defining a No-Fault State At its core, a no-fault state is one where your car insurancepolicy 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.
Our experienced agents are here to help you navigate your options and find the best auto insurancepolicy for you! Get started with a free auto insurancequote today. At the end of the day, the best deductible is the one that aligns with your lifestyle and financial needs.
This heightened risk of wildfires has led insurers to reevaluate their exposure in high-risk areas, potentially leaving homeowners in these regions with limited options for insurance coverage. Being prepared can help mitigate risks and potentially make finding homeowners insurance in the future less challenging.
Whether you’re driving a brand-new car or an older model, having the right insurancepolicy provides peace of mind and financial security. If you’re unsure about your current coverage or need help finding a policy that fits your needs, TGS Insurance Agency is here to assist you every step of the way.
Some landlord insurancepolicies may have certain conditions attached to who you can and cannot rent your property. For example, some policies may specifically exclude cover if tenancies are granted to groups such as students, DSS recipients, asylum seekers, or others. What does landlord insurance for DSS tenants cover?
TGS Insurance Blog HomeInsurance Tips for Renovations: Protect Your Investment Renovating your home is excitingwhether youre adding an extra bedroom, modernizing the kitchen, or installing your dream spa-like bathroom. Water damage is one of the most common homeinsurance claims, so taking preventive steps here is key.
For insurance agencies, terms like “affordable auto insurance” or “homeinsurancequotes” might prove valuable targets. Long-tail keywords, such as “best life insurance for seniors over 70,” often have less competition and higher conversion rates.
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