TGS

MARCH 4, 2025

Florida law requires all drivers to carry a minimum level of insurance coverage, and failing to comply can lead to penalties, legal trouble, and financial headaches. At TGS Insurance, were here to help you understand the risks of driving uninsured and why securing the right coverage is a smart move for every Florida driver.

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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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TGS

SEPTEMBER 6, 2023

On top of that, you run the risk of having a lapse in your home insurance coverage, as some renovations call for a different insurance policy entirely. What Will a Standard Home Insurance Policy Cover During Renovations? Do You Need a Different Insurance Policy During Home Renovations?

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TGS

NOVEMBER 5, 2024

These questions help insurers figure out who’s on the property most of the time and for what purpose. After all, a home that’s rented out or left unoccupied part of the year faces different risks than one where you’re living day in and day out. Location-Specific Risks: Is Your Home Prepared for Nature’s Wrath?

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TGS

NOVEMBER 27, 2024

Let’s dive into some budget-friendly safety upgrades that can help you save money while giving your home insurance provider fewer reasons to worry. Why Home Safety Affects Insurance Premiums Insurance companies calculate premiums based on risk. Keeping your landscaping tidy reduces both risks.

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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. Pets Believe it or not, having certain pets can impact your insurance premium.

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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

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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TGS

JANUARY 6, 2025

Insurers will need to adjust rates to accommodate the increased coverage levels. The Risk of Increased Uninsured Motorists One concern raised by experts is whether higher premiums will push more drivers to drop their insurance altogether, increasing the rate of uninsured motorists.

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TGS

DECEMBER 18, 2024

TGS Insurance Blog Christmas Light Safety Tips Christmas lights are the ultimate way to turn your home into a festive wonderland, but they also come with a few safety risks if not handled properly. This reduces the risk of fire and keeps your electric bill in check.

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TGS

DECEMBER 4, 2024

While they don’t dry out, artificial trees can still pose fire risks, especially if they’re not fire-resistant. 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. Not so fast!

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TGS

DECEMBER 13, 2024

Thats why standalone jewelry insurance existsto provide comprehensive protection for the items that mean the most to you. What Does Jewelry Insurance Cover? Insurance policies for jewelry can vary, but most provide coverage for common risks, such as: Loss : Ever misplaced a ring at the gym or dropped an earring at a bustling party?

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TGS

OCTOBER 17, 2023

Not Just Selling Insurance A captive insurance agent only has one job: selling you on an insurance policy with their carrier. Unfortunately, that leaves you responsible for other critical tasks, such as coordinating with your mortgage after switching home insurance policies.

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TGS

OCTOBER 28, 2024

Conversely, if you’re someone who drives less frequently and in low-risk areas, you might feel comfortable taking on a higher deductible because the chances of needing to file a claim are reduced. Fewer miles on the road typically mean a lower risk of an accident, which could make a higher deductible and lower premiums a safe bet.

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TGS

NOVEMBER 29, 2024

Opt for In-Store Pickup Sure, it’s a little less convenient, but picking up orders in-store eliminates the risk of porch theft entirely. A Closer Look The post Protecting Your Holiday Cheer: Tips to Prevent Package Theft This Season appeared first on TGS Insurance Agency.

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TGS

DECEMBER 16, 2024

Why is a Home Inventory Important for Insurance? Accurate Coverage : Knowing the value of your belongings ensures that your homeowners insurance or renters insurance policy offers sufficient coverage. Without this, you risk being underinsured. Need assistance tailoring your policy to match your homes true value?

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TGS

DECEMBER 2, 2024

The long-term consequences can follow you for years: Higher Insurance Premiums : Insurers will likely increase your rates once you’re labeled a high-risk driver, making coverage more expensive. Why Risk It? Think of it this way: Car insurance isn’t just a legal requirement—it’s a safety net.

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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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Jackson & Jackson

AUGUST 16, 2024

The increasing frequency and severity of natural disasters in recent years have made insurance companies more hesitant to take on the risks associated with insuring California homeowners. Wildfires, in particular, have become a significant concern for insurers in California.

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Cover4LetProperty

AUGUST 15, 2022

So that you may feel better informed about your landlord insurance options – including the cost and the protection offered – let’s tackle some of the most frequently asked questions (FAQs) we’re asked here at Cover4LetProperty. Does cheap landlords’ insurance really exist? But does cheap landlord insurance really exist?

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Cover4LetProperty

JANUARY 2, 2024

To understand how you might get the most appropriate cover for your let property, it might be helpful to recap the difference between buy to let insurance and standard home insurance. Not only is standard home insurance insufficient, but if you rely upon it for a let property, any claim may be rejected by your insurer.

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TGS

NOVEMBER 15, 2024

So if both vehicles experience damage (let’s say in a hailstorm or other shared risk), you’ll need to meet the deductible on each car individually. If you’re ready to take the plunge, start by gathering your information, get your free auto insurance quote , and discuss options with your insurance provider.

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TGS

NOVEMBER 18, 2024

Cons: Higher Insurance Costs: No-fault states tend to have higher insurance premiums, as insurers take on greater responsibility for covering claims. Fraud Risks: No-fault systems are sometimes criticized for being more vulnerable to fraudulent claims, which can drive up costs for everyone.

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TGS

JANUARY 2, 2025

Operating a vehicle without these properly functioning safety features is against the law and poses significant risks. Auto Insurance Remains a Legal Requirement in Texas While safety inspections for non-commercial vehicles have been eliminated, auto insurance remains a legal requirement for all Texas drivers.

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Cover4LetProperty

JANUARY 4, 2023

So, you may be relieved to discover that there are some buy to let insurance providers – such as ourselves at Cover4LetProperty – who impose no such tenant restrictions and who make no such distinctions. Our service is free and there is no obligation to buy the cover after you have received your quote.

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TGS

JANUARY 28, 2025

TGS Insurance Blog Home Insurance 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. Plus, insurers may offer discounts for safety upgrades like a new roof or impact-resistant windows.

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