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What is a Loss History Report?

TGS

Policy Information Details of the insurance policies under which the claims were filed. Insurance companies rely on these reports to assess risk when underwriting a new policy. If a home has a history of frequent claims, insurers may see it as high-risk, which can lead to higher premiumsor even difficulty securing coverage.

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Understanding Agreed Value Auto Insurance: Protecting What Matters Most on the Road

TGS

TGS Insurance » Blog Understanding Agreed Value Auto Insurance: Protecting What Matters Most on the Road When you’re talking about a car that’s more than just a ride—a vintage beauty, a collector’s item, or a custom-built masterpiece—the stakes are different. For many, traditional auto insurance might feel a bit off the mark.

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Understanding Agreed Value Auto Insurance: Protecting What Matters Most on the Road

TGS

TGS Insurance » Blog Understanding Agreed Value Auto Insurance: Protecting What Matters Most on the Road When you’re talking about a car that’s more than just a ride—a vintage beauty, a collector’s item, or a custom-built masterpiece—the stakes are different. For many, traditional auto insurance might feel a bit off the mark.

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What to Do After a Car Accident: A Step-by-Step Guide

TGS

Knowing exactly what to do after a car accident can make all the difference in ensuring a smooth claims process, protecting your rights, and, most importantly, keeping everyone safe. This is especially important because your insurance company will use the police report to help determine fault and process your claim.

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Unlocking a Smart Home Insurance Discount: How Your Gadgets Can Lower Your Premiums

TGS

Let’s take a closer look at why this works, what types of devices are most likely to give you a smart home insurance discount, and how you can maximize your savings. Insurance companies are in the business of managing risk, and smart home technology is like a safeguard for them. Well, it all comes down to risk.

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Captive Agent vs. Independent Agent: What’s the Difference and Why Does It Matter?

TGS

By the end of this post, youll have a clear understanding of the differences, and more importantly, why they matter for your insurance needs. A captive agent works exclusively for a single insurance company. Companies like State Farm or Allstate often use captive agents to sell their policies. What is a Captive Agent?

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Creating a Home Inventory

TGS

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? Proof of Ownership : Insurance companies often require proof of ownership for high-value items.