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10 Factors That Affect Homeowners Insurance Premiums in Florida

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

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TGS Insurance » Blog Unlocking a Smart Home Insurance Discount: How Your Gadgets Can Lower Your Premiums If you’ve recently dipped a toe into the world of smart home technology, you’re likely familiar with the benefits of convenience. Yes, you read that right.

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Top Reasons Your Home Insurance Premium Might Increase [2024]

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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. Well, your insurance premium is no different.

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Homeowners Insurance Underwriting Questions: What to Expect When Getting a Quote

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Insurers want to know what measures you’ve taken to protect your home. Imagine it this way: an insurance provider wants to know that you’ve taken steps to prevent the kinds of accidents that lead to claims. From deadbolts to sprinkler systems, these features can make a difference in your premium. Are they up to code?

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Adding a Second Car to Insurance: What to Know Before You Drive Off

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If you’re adding a second car to insurance and both vehicles meet the insurer’s criteria, you could end up with a nice reduction in your overall premium. Potential Challenges of Adding a Second Car to Insurance Of course, adding a second car isn’t without its considerations.

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

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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. By seeking medical attention promptly, you not only protect your health but also ensure that there’s a medical record of any injuries related to the accident.

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What Does It Mean to Be a No-Fault State?

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In a no-fault state like Florida, every driver is required to carry Personal Injury Protection (PIP) coverage. This coverage is the backbone of the no-fault system, as it ensures that your insurance policy will cover: Medical Expenses: PIP typically covers a portion of your medical bills resulting from an accident, up to a certain limit.