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10 Factors That Affect Homeowners Insurance Premiums in Florida

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TGS Insurance ยป 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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Affordable Home Safety Improvements to Lower Your Insurance Premiums

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TGS Insurance ยป Blog Affordable Home Safety Improvements to Lower Your Insurance Premiums Owning a home is a dream come trueโ€”until those monthly bills remind you of the costs involved. From utilities to maintenance to insurance premiums, it adds up quickly. Check with local programs for assistance.

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Top Reasons Your Home Insurance Premium Might Increase [2024]

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TGS Insurance ยป 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 mailโ€”informing you that your home insurance premium has gone upโ€”it can feel more like a nightmare. Well, your insurance premium is no different.

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Jewelry Insurance: Protecting More Than Precious Metals

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TGS Insurance Blog Jewelry Insurance: Protecting More Than Precious Metals Imagine this: Youve just said yes to the perfect engagement ring, inherited a priceless family heirloom, or splurged on that necklace youve admired for years. These arent just shiny trinketstheyre symbols of love, history, and accomplishment.

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

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TGS Insurance ยป 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, youโ€™re likely familiar with the benefits of convenience. Yes, you read that right.

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What is a Loss History Report?

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How Loss History Affects Your Insurance Rates Insurance companies use loss history reports to gauge risk. If a property has multiple claims, it might lead to: Higher premiums Frequent past claims signal higher risk. Limited coverage options Some insurers may decline to cover homes with extensive claims histories.

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Driving Without Insurance in Florida

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The state mandates that all registered vehicles carry minimum auto insurance coverage as the Florida Financial Responsibility Law outlines. Specifically, drivers need: $10,000 in Personal Injury Protection (PIP) : Covers medical expenses for you and your passengers, regardless of whos at fault. This often comes with higher premiums.