TGS

NOVEMBER 20, 2024

TGS Insurance » Blog Does Credit Score Affect Home Insurance? A Closer Look If you’ve ever applied for home insurance and wondered why your credit score comes into play, you’re not alone. How Credit Score Impacts Home Insurance At its core, your credit score is a measure of financial reliability.

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Protect Commercial Insurance

NOVEMBER 1, 2024

Whether you’re a landlord with several rental properties or a homeowner looking to safeguard your family home, understanding your insurance needs is essential. In this blog, we’ll explore the key differences between landlord insurance and standard home insurance. Who Needs Landlord Insurance?

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TGS

SEPTEMBER 14, 2023

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. What Is An Additional Interest?

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Cover4LetProperty

JANUARY 29, 2024

At its simplest, therefore, a home is a home, whilst let property is a business asset. To understand why landlord insurance is typically more expensive than standard home insurance, it might be helpful to go back to the basics of insurance itself. So why is the one more expensive than the other?

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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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Paragon Independent Insurance Agencies

JULY 31, 2024

Our knowledgeable agents at Paragon Independent Insurance Agency in Plano, TX, are here to help. 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. Let us help you today.

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Freeway Insurance

DECEMBER 17, 2024

By going through a basic winter home maintenance checklist each year before temperatures drop, you can keep your home in tip-top condition and ensure your homeowners policy gives you the protection you need. Not only can you prevent inconvenient damage, but you can get the most out of your policy.

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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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Wren Insurance Agency

AUGUST 7, 2024

When it comes to home and auto insurance - with very few exceptions - did you know that you can change your insurance carrier at any time? Citizens - the State-backed home insurer is one of the only exceptions to this. They will not allow a change to or from their coverage until your current policy's expiration).

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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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TGS

DECEMBER 11, 2024

TGS Insurance Blog Captive Agent vs. Independent Agent: Whats the Difference and Why Does It Matter? When it comes to buying insurance, the options can feel overwhelming. Policies, premiums, deductiblesits a lot to process. Companies like State Farm or Allstate often use captive agents to sell their policies.

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TGS

JANUARY 6, 2025

Will These Changes Impact Insurance Premiums? Yes, raising minimum coverage requirements is likely to result in higher premiums for drivers. Insurers will need to adjust rates to accommodate the increased coverage levels. Navigating these changes can feel overwhelming, but you dont have to do it alone.

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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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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. What does landlord insurance cover?

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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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Cover4LetProperty

AUGUST 15, 2022

Just looking at the price alone might tell you very little about the insurance cover and protection offered. Looking carefully through the landlord insurance policy terms and conditions may be the only way that you can make sure that your policy does what you need it to do in terms of helping you protect your livelihood as a landlord.

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TGS

SEPTEMBER 29, 2023

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. In short, electric vehicle insurance is just auto insurance! Tell your agent!

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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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Property Insurance Centre

JANUARY 16, 2025

Commercial Flood Insurance in the United Kingdom: Types of Coverage Available Commercial flood insurance policies typically cover: Property Damage: Repair or replacement of buildings, fixtures, and equipment. Areas with a history of flooding typically face higher premiums or reduced access to coverage.

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Property Insurance Centre

DECEMBER 23, 2024

Do I have the right lock for my insurance ? Being a Commercial Property Owner or Business Owner you will be aware there will be certain conditions within your insurance policy with regard to the Security at the premises. However, the first thing you should ask yourself, is, “Do I have the right lock for my insurance?”

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TGS

NOVEMBER 5, 2024

TGS Insurance » Blog Homeowners Insurance Underwriting Questions: What to Expect When Getting a Quote So, you’re ready to take the plunge into homeowners insurance. Maybe you’ve just bought a new home, or maybe it’s time to revisit your current policy to make sure you’re covered in all the right places.

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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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Property Insurance Centre

NOVEMBER 11, 2024

These are just some of the excuses we hear of from the question of, “ Why can’t I get insurance ?” ” or can’t get the insurance you deserve for that matter – insurance with reasonable premiums and without unnecessary restrictions. It can be an extremely nuanced subject & question.

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Property Insurance Centre

AUGUST 28, 2024

Corner Shop Insurance and BT Redcare Alarm changes Business Owners who have corner shop insurance are all to aware of the benefits an appropriate intruder alarm system will have, both in relation to their insurance premiums (or in being given an insurance policy at all in some cases) and to the physical security of their goods.

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TGS

SEPTEMBER 11, 2023

With replacement cost coverage, a flood policy must also be active at the time of the damage, or else there will be actual cash value coverage. Some requirements must be met for your home to be covered under Wind Pool. Your property must have a roof that is in good condition (determined by the insurance provider).

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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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Property Insurance Centre

AUGUST 8, 2024

How to get Empty Office Insurance Empty office Insurance If you are a property owner of an office. You will want to make sure you have the right policy in place that will cater for your particular requirements. These may be any/all of the following depending on the policy. How long has the office been empty for?

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Property Insurance Centre

SEPTEMBER 25, 2024

See what is not covered in terms of events/damage for your policy and think about getting flood insurance or accidental damage insurance if desired. Accidental damage is not usually covered by a normal building insurance policy. – Failure to read particular policy documents. What is Covered?

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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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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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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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Property Insurance Centre

AUGUST 12, 2024

This policy applies to office blocks or industrial estates during daytime hours, unless we receive a direct report of a fire. This new policy doesn’t apply to all buildings. Review all fire risk assessments. For example, schools, hospitals and many other types are exempt. Read the list of exemptions here, or see it further below.

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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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Triple-I: Homeowners Insurance

JULY 9, 2024

While most farmers are insured against crop damage due to heat conditions and homeowners insurance typically covers wildfire-related losses, Porfilio noted, a “more subtle impact is on roofs that we thought were built to a 20-year lifespan.” So, you have to think about the roof coverage on your home insurance policy,” Porfilio said.

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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. . >> We continue to shop for your best insurance options every time your policy is up for renewal.

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