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. The same thing happens with insurance.

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TGS

JANUARY 8, 2025

TGS Insurance Blog What to Expect from a Home Insurance Inspection If you’re in the process of securing a home insurance policy or renewing an existing one, chances are you’ve come across the term home insurance inspection. Why Do Home Insurance Inspections Happen?

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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

MAY 2, 2025

Business and Retail Insurance Specialists, Est. 1976 [link] Listen to Business and Retail Insurance explained by one of our directors What Is Business and Retail Insurance? Business Owners are well aware of the importance of having the correct insurance policy for their business.

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TGS

OCTOBER 3, 2024

TGS Insurance » Blog 10 Factors That Affect Homeowners Insurance Premiums in Florida When it comes to homeowners insurance premiums, several factors come into play, and understanding them can be the key to managing your costs. Coverage Limits The amount of coverage you choose directly affects your premium.

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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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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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Property Insurance Centre

FEBRUARY 10, 2025

Get a Quote Insurance under one roof We are specialists in many types of insurance GET YOUR QUOTE GET YOUR QUOTE What Perils Are Covered by Commercial Property Insurance? ” If a peril is explicitly listed in the policy, the insurer will cover the damage it causes.

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Property Insurance Centre

MARCH 11, 2025

” Plus, of course, the issue of home insurance and block of flats insurance costs, which in the UK increased by 21% year-on-year between July and September 2024, according to a report from Compare the Market. Many insurers require more detailed valuations and risk assessments due to the higher sums insured.

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Property Insurance Centre

MARCH 21, 2025

This diversity in building age and structure affects insuranceolder buildings may face higher premiums due to maintenance risks, while newer developments may require higher coverage for cutting-edge amenities. Insurers view these uses as higher risk, which can lead to increased premiums or the need for specialist insurance policies.

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Property Insurance Centre

JANUARY 30, 2025

Because of these risks, many standard building insurance policies may not fully cover an unoccupied flat for extended periods, typically beyond 30-60 days. Get a Quote Insurance under one roof We are specialists in many types of insurance GET YOUR QUOTE GET YOUR QUOTE What Type of Insurance Do You Need?

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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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Distinguished

APRIL 21, 2025

The citys density, property values, and the likelihood that someone could make a claim all contribute to premium fluctuations. Building size & TIV: Larger properties or those with higher total insurable values (TIV) typically carry higher insurance costs.

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Property Insurance Centre

JANUARY 27, 2025

Steps to Take Check the Lease Agreement: This document will outline who is responsible for insuring the building. Speak with the Freeholder or Managing Agent: Ask for details about the current insurance policy and how costs are allocated.

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Distinguished

MARCH 20, 2025

Insurers view these violations as signs of deferred maintenance and increased risk. Even if some violations are eventually addressed, a history of non-compliance can still lead to higher premiums. Are there specific types of insurance that are more sensitive to these housing violations?

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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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Property Insurance Centre

FEBRUARY 24, 2025

Get a Quote Insurance under one roof We are specialists in many types of insurance GET YOUR QUOTE GET YOUR QUOTE 1. The Financial Toll of a Liability Claim A lawsuit can lead to crippling legal expenses, compensation payouts, and increased insurance premiums.

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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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Distinguished

MARCH 19, 2025

Insurers view these violations as signs of deferred maintenance and increased risk. Even if some violations are eventually addressed, a history of non-compliance can still lead to higher premiums. Are there specific types of insurance that are more sensitive to these housing violations?

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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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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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Distinguished

MARCH 20, 2025

Fortunately, the property owner had Ordinance or Law Coverage A as part of their insurance policy, allowing them to receive the full building limit for the loss. Distinguished offers insurance for apartment building owners through our City Insurance Program and New York Brick & Brownstone Programs.

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TGS

NOVEMBER 25, 2024

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 home insurance policy can add a layer of protection—just in case the unexpected happens. Where Does Home Insurance Come In? That’s where homeowners insurance steps in.

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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. Thats why standalone jewelry insurance existsto provide comprehensive protection for the items that mean the most to you.

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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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Tosten Marketing

MARCH 3, 2025

Stay on top of insurance industry trends and share relevant updates with your audience. For example, if a new type of cyber insurance policy gains traction, explain how it could benefit your clients. Create short, informative videos about insurance topics, client testimonials, or behind-the-scenes glimpses of your agency.

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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

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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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. Security Matters.

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TGS

OCTOBER 28, 2024

Simply put, a deductible is the amount you agree to pay out of pocket before your insurance kicks in after a claim. It’s a bit of a balancing act: on one hand, a higher deductible can lower your monthly premiums, but on the other hand, it means you’ll pay more out of pocket in the event of an accident.

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TGS

DECEMBER 9, 2024

As you merge lives, youll likely merge insurance policies, too. Combining auto insurance , home insurance , 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.

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Shield Insurance Agency

AUGUST 20, 2024

Shield Insurance Blog | Small Insurance Claims | Contact Our Sales Team! Small Insurance Claims Can Raise Premiums Small insurance claims, such as those for minor property damage, may seem like a hassle to deal with. However, filing small insurance claims can have long-term financial consequences.

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Property Insurance Centre

SEPTEMBER 25, 2024

Accidental damage is not usually covered by a normal building insurance policy. This might seem like an advantage since this saves cost initially, though it might lead to high premium costs later on. – Failure to read particular policy documents. These can be added to your policy for an additional premium.

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Property Insurance Centre

OCTOBER 18, 2024

The insurance industry has had to adjust premiums to reflect this growing risk. By mid-2024, the average cost of home insurance had risen by 19% compared to 2023, with flood-prone areas facing even steeper increases​ CityAM.

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TGS

DECEMBER 4, 2024

Christmas Tree Safety and Your Home Insurance 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 home insurance coverage is essential to protect your family and home from unexpected events like fires.

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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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