TGS

FEBRUARY 28, 2025

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. A loss history report isnt just for insurance companiesits an essential tool for homeowners and homebuyers too.

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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

JANUARY 30, 2025

Empty properties pose higher risks, including: Security concerns Unoccupied units are more vulnerable to vandalism, break-ins, and squatting. Fire risks An unoccupied space can become a target for arson or suffer unnoticed electrical faults. Regular inspections Some insurers require vacant units to be checked every 714 days.

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Leadsurance

NOVEMBER 19, 2024

How to Reduce Home Insurance Premiums without Compromising on Coverage Home insurance is many people’s key protector; it provides one with the needed cover once loss or damage occurs. The good news is that one can reduce home insurance premiums without necessarily sacrificing the cover that you get.

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TGS

OCTOBER 25, 2024

TGS Insurance » Blog Top Reasons Your Home Insurance Premium Might Increase [2024] Owning a home is often a dream come true, but when that dreaded notice arrives in the mail—informing you that your home insurance premium has gone up—it can feel more like a nightmare.

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Property Insurance Centre

FEBRUARY 24, 2025

From financial losses to reputational damage, legal battles, and even the risk of shutting down, the impact can be severe. Whether you’re a small business owner, contractor, or entrepreneur, understanding liability risks is crucial for survival. This means your personal assetshome, car, and savingscould be at risk.

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Distinguished

APRIL 14, 2025

But with value comes risk, and standard homeowner insurance policies frequently fall short when it comes to protecting one-of-a-kind instruments. Thats why a specialized collectibles policy is the right solution for clients who own rare, high-value guitars whether theyre collectors, professional musicians, or investors.

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Tosten Marketing

FEBRUARY 27, 2025

Commercial property insurance covers several types of water damage, but understanding the specifics is vital. Many business owners find themselves surprised by what their policies do and don’t cover. Sudden and Accidental Water Damage Most commercial property insurance policies cover sudden and accidental water damage.

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Freeway Insurance

JANUARY 3, 2025

Senate Bill 1107 , which increases minimum insurance requirements, is expected to further drive up premiums statewide. This latest change could disproportionately affect communities where insurance costs already strain household budgets. What’s Causing the 2025 Insurance Boost in California?

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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 19, 2025

Mold & Water Damage are also major concerns; leaks or excessive moisture can lead to mold growth that poses health risks. Additionally, Electrical Hazards like exposed wiring or unpermitted electrical workpose serious safety risks. Insurers view these violations as signs of deferred maintenance and increased risk.

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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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Distinguished

MARCH 10, 2025

Museums require specialized protection against various risks. While adding these items to a property or package policy might seem convenient, museums face unique exposures that such generalized policies often fail to address. What Does Distinguisheds Fine Art & Collectibles Policy Cover?

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Protect Commercial Insurance

APRIL 4, 2025

Benefits for Landlords There are several compelling benefits for landlords who choose to invest in Rent Guarantee Insurance: – Continuous Income : Perhaps the most notable benefit is the assurance of receiving rental income on time, which is essential for meeting mortgage payments and other property-related expenses.

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Triple-I: Homeowners Insurance

JULY 9, 2024

Restoring power to millions of Texans could take days or even weeks, subjecting residents who will not have air conditioning to further risk as a sweltering heatwave settles over the state. So, you have to think about the roof coverage on your home insurance policy,” Porfilio said.

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Distinguished

SEPTEMBER 25, 2024

An increase in construction also means an increase in financial risk. All of which can cost their property or business owners millions of dollars in losses without adequate insurance coverage. This is why the popularity of Builder’s Risk insurance is growing. What Does Distinguished’s Builder’s Risk Cover?

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Distinguished

AUGUST 12, 2024

However, with growth comes risk, and that’s where Builder’s Risk insurance plays a critical role. Whether your clients are embarking on a new construction project, renovating an existing structure, or making betterments to a property, the importance of having the right insurance coverage can’t be overstated.

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Scott Insurance

OCTOBER 28, 2020

Many insurance carriers use third-party crime scores to evaluate their exposure to criminal risk when underwriting general liability insurance policies. Thus, affordable housing providers are highly likely to experience a loss of coverage or relatively high insurance premiums. Read the full report here.

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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. The more damage, the more likely premiums will rise at renewal.

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Distinguished

MARCH 20, 2025

From devastating floods to slip-and-fall lawsuits, insuring apartment buildings is no simple task. And with rising property values, more frequent catastrophic weather events, and emerging risks like habitability claims, its never been more critical to help your clients navigate their insurance options.

Building 52

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American Agents Alliance

NOVEMBER 9, 2024

Independent P&C agents and brokers who reside and work in this region must also know how to help policyholders manage earthquake risk. This requires experience, expertise, and a proactive approach to risk management and mitigation. Learn more about how agents can help their policyholders manage earthquake risk in this blog.

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Protect Commercial Insurance

NOVEMBER 8, 2024

By understanding your policy needs, shopping around, and exploring available discounts, you can effectively manage insurance premiums and keep your business financially secure. It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries.

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Jackson & Jackson

MAY 23, 2024

Small business insurance covers property damage, liability claims, and employee-related risks. When selecting insurance coverage, assessing your business’s specific needs is essential. While basic coverage can provide a level of protection, your business might have additional risks that warrant extra coverage.

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Risk Management Monitor

NOVEMBER 8, 2021

One of the first steps in obtaining commercial property insurance is to determine the value of the property being insured. The reported property value will drive premium amounts and, importantly, represents the property loss exposure. Changes in costs Over time, some property costs will change more than others.

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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.

Building 52

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Protect Commercial Insurance

OCTOBER 4, 2024

How Interest Rates Influence Insurance Costs Insurance premiums are sometimes indirectly influenced by interest rates. Here’s how: insurers rely on investment income to keep premiums competitive. When interest rates rise, the returns on these investments can increase, potentially affecting premium rates.

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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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Cowbell

AUGUST 26, 2024

As cyber insurers move upmarket, they are increasingly encountering prospects that either already have or are considering purchasing an enterprise software license like the Microsoft E5 license. This shift brings a mix of opportunities and challenges from a risk reduction perspective. Now, it’s all-inclusive.”

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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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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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Protect Commercial Insurance

JULY 26, 2024

Welcome to our blog post on how to maximise your business growth by securing the right commercial tailors insurance. As a tailor, it is crucial to protect your business from potential risks and liabilities. As a tailor, you face unique risks that require specific coverage. These discounts can help reduce your premiums.

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Property Insurance Centre

JANUARY 4, 2024

Get a Quote Insurance under one roof We are specialists in many types of insurance GET YOUR QUOTE GET YOUR QUOTE Key Takeaways Consistent rate increases have been experienced in the property insurance market since 2017. Inflation drives up property valuations , construction costs , and insurance premiums.

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Jackson & Jackson

APRIL 28, 2024

This article outlines the top five mistakes property investors make with insurance and provides practical tips on avoiding them, ensuring your investments are adequately protected. This often happens when trying to save on premiums. How to Avoid It: Evaluate the risks associated with your property’s location and type.

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Property Insurance Centre

JANUARY 16, 2025

Understanding Commercial Flood Insurance in the United Kingdom Flooding has become an increasingly significant risk for businesses across the United Kingdom as climate change intensifies weather extremes. million properties at risk, according to the Environment Agency.

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Cover4LetProperty

OCTOBER 1, 2024

If you fail to purchase landlord’s insurance, you are putting yourself at unnecessary financial risk, which could result in disastrous repercussions. Here we discuss what landlord insurance covers, why it is so important, plus other considerations. What is landlord insurance? Why do you need landlord insurance?

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Property Insurance Centre

OCTOBER 18, 2024

Flooding, storm damage, and subsidence were major contributors to these claims, with homeowners and businesses alike suffering significant financial losses​ CityAM AXA UK home page The Growing Cost of Flood Damage Flooding continues to be one of the most significant risks facing UK property owners.

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Protect Commercial Insurance

SEPTEMBER 6, 2024

In 2024, expect cyber insurance policies to become more comprehensive and tailored. Insurers are likely to offer packages that cover not just the immediate financial repercussions of a breach but also the long-term costs associated with recovery, legal disputes, and regulatory fines.

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