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 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. The more risks your area poses, the more your insurance company will charge to protect you.

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Property Insurance Centre

MAY 20, 2024

Consequences of Underinsurance In the event of a claim on the block insurance policy , the insurer or its appointed loss adjuster may check to see that the Declared Value is adequate. If it is not, they may rely upon a clause within the insurance policy called Average, Average Condition, or Underinsurance.

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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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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

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. Your property must have a roof that is in good condition (determined by the insurance provider).

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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. Impartiality is one of the key benefits of an independent insurance agent.

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TGS

OCTOBER 25, 2024

Insurance companies take this aging process into account when assessing risk, and as your home’s structure and systems age, the likelihood of a claim increases. What You Can Do: One way to counteract the higher costs of insuring an aging home is to invest in upgrades that can reduce the risk of claims.

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ProWriters

MAY 28, 2024

How can you stress the need for Cyber Liability Insurance for contractors to your clients? Read on for information you can use about cyber risks contractors face—as well as how a strong Cyber Insurance policy can help protect them. Contractors’ increasing reliance on Internet of Things (IoT) devices also poses risks.

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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. Share a copy with your insurance provider if needed.

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Top Insurance Blogs

OCTOBER 8, 2024

With the growing, overwhelming rate of risks and perilous events even in the travel industry, there is no better time to emphasize the need for travel insurance. What is travel insurance? Several insurance companies and products exist to help cushion the effect of risks and perils associated with a particular sphere of endeavor.

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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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Protect Commercial Insurance

DECEMBER 6, 2024

Early Developments in Business Coverage Long before modern commercial insurance, businesses faced the daunting task of safeguarding their assets against unforeseen calamities. The notion of business coverage can be traced back to medieval times, when the shipping industry first implemented rudimentary forms of risk management.

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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. How do I choose the most suitable landlord insurance?

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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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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

NOVEMBER 25, 2024

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. By following these fire safety tips and ensuring your home insurance policy has you covered, you can focus on what really matters—spending time with the people you love most.

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TGS

NOVEMBER 18, 2024

The Basics: Defining a No-Fault State At its core, a no-fault state is one where your car insurance policy 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.

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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. At TGS Insurance Agency, we’re here to help you find a home insurance policy that fits your needs and provides peace of mind year-round. Not so fast!

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Cover4LetProperty

JANUARY 4, 2023

Some landlord insurance policies 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?

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Mark Jackson Insurance Agency

APRIL 15, 2024

Worker Using an Angle Grinder by Anamul Rezwan Business owners have multiple types of insurance to protect them from a variety of financial and legal risks. They should also protect their employees with workers’ comp insurance. Here’s what you need to know about this type of insurance coverage. What Is Workers’ Comp?

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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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TGS

JANUARY 28, 2025

Home renovations can introduce risks to your property, so here are essential tips to protect both your home and your insurance coverage during the process. For instance, upgrading electrical panels, replacing old wiring, or installing hardwired smoke detectors can help prevent accidents and lower your insurance premiums.

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