TGS

FEBRUARY 14, 2025

This specialized coverage goes beyond the limits of traditional insurance policies, offering: Higher Coverage Limits Protect high-value items without the restrictive caps of a standard policy. All-Risk Protection Coverage against loss, theft, damage, and even mysterious disappearance (because sometimes things just vanish).

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TGS

APRIL 18, 2025

Insurance tip: Drafty or unsecured windows could become a liability during stormsor worse, break-ins. Ensuring theyre sealed and secure helps reduce both risks. Insurance tip: Clutter can pose fire and injury risks. Check locks and latches for functionality. What to do: Remove leaves, twigs, and debris.

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TGS

SEPTEMBER 22, 2023

Sometimes, with changes in the market, an insurance carrier may stop serving a certain region altogether. If you have a new high-risk pet or attractive nuisance, for example, there are certain carriers more willing to accept those risks than others. Consult an insurance agent about the best options for you.

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Freeway Insurance

JANUARY 3, 2025

Understanding the Current Landscape of Auto Insurance in California Californias auto coverage market is unique due to its large population, road congestion, and the presence of non-standard driversthose with driving infractions, gaps in coverage, or things like a DUI on their record.

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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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TGS

NOVEMBER 5, 2024

These questions help insurers figure out who’s on the property most of the time and for what purpose. After all, a home that’s rented out or left unoccupied part of the year faces different risks than one where you’re living day in and day out. Location-Specific Risks: Is Your Home Prepared for Nature’s Wrath?

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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. Why Would I Have to Get South Carolina Wind Pool Insurance? This program started in 1971.

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TGS

NOVEMBER 12, 2024

Why Insurance Companies Love Smart Home Tech (Hint: It’s All About Risk Reduction) So, here’s the question: why would an insurance company care if you have a smart thermostat or a video doorbell? Well, it all comes down to risk. To insurance providers, that’s a win.

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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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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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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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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

NOVEMBER 20, 2024

So, from an insurer’s perspective, your credit score provides a glimpse into potential risk. Here’s where it gets interesting: not all states allow the use of credit scores in setting home insurance rates. Upgrade Your Home: Adding safety features like a security system or fire-resistant materials can reduce risk—and your rate.

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TGS

DECEMBER 18, 2024

TGS Insurance Blog Christmas Light Safety Tips Christmas lights are the ultimate way to turn your home into a festive wonderland, but they also come with a few safety risks if not handled properly. This reduces the risk of fire and keeps your electric bill in check. Use timers or smart plugs to automate your lighting schedule.

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TGS

DECEMBER 2, 2024

The long-term consequences can follow you for years: Higher Insurance Premiums : Insurers will likely increase your rates once you’re labeled a high-risk driver, making coverage more expensive. Why Risk It? Think of it this way: Car insurance isn’t just a legal requirement—it’s a safety net.

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ProWriters

APRIL 3, 2024

Today’s dynamic business environment and litigious society pose several risks to businesses. As they seek to secure the insurance they need to protect themselves, some companies’ decision-makers may get confused about E&O vs. EPLI policies. E&O Insurance protects against claims of negligence or inadequate work.

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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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TGS

SEPTEMBER 6, 2023

On top of that, you run the risk of having a lapse in your home insurance coverage, as some renovations call for a different insurance policy entirely. What Will a Standard Home Insurance Policy Cover During Renovations? Consult with your insurance agent to avoid a lapse in your home insurance. >>

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TGS

NOVEMBER 27, 2024

Let’s dive into some budget-friendly safety upgrades that can help you save money while giving your home insurance provider fewer reasons to worry. Why Home Safety Affects Insurance Premiums Insurance companies calculate premiums based on risk. Keeping your landscaping tidy reduces both risks.

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TGS

OCTOBER 17, 2023

This is one of the most essential benefits of an independent insurance agent. After disaster strikes, we are here to have a risk-free, open conversation about your coverage. A captive insurance agent leaves you high and dry to figure out next steps if you receive a non renewal. It all starts with a free, instant quote.

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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

JANUARY 6, 2025

Insurers will need to adjust rates to accommodate the increased coverage levels. The Risk of Increased Uninsured Motorists One concern raised by experts is whether higher premiums will push more drivers to drop their insurance altogether, increasing the rate of uninsured motorists.

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TGS

JANUARY 8, 2025

Why Do Home Insurance Inspections Happen? At its core, a home insurance inspection helps insurers assess the condition and value of your property. It allows them to identify potential risks and ensure your policy accurately reflects the home’s features and state.

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American Agents Alliance

SEPTEMBER 4, 2024

The Earthquake Risk The Northridge earthquake of 1994 struck the densely populated San Fernando Valley in southern California, U.S., For insurance agents, writing more stand-alone earthquake represents a solid stream of revenue as well as the long-lasting benefit of a 94% retention rate on average. on January 17, 1994.

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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. Need assistance tailoring your policy to match your homes true value?

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TGS

NOVEMBER 29, 2024

Opt for In-Store Pickup Sure, it’s a little less convenient, but picking up orders in-store eliminates the risk of porch theft entirely. Think of it as a modern-day neighborhood watch, but for Amazon boxes. Plus, it’s a great excuse to grab a coffee or browse holiday displays.

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TGS

NOVEMBER 25, 2024

Here are a few others to watch out for: Overloaded Kitchens: With every burner working overtime and countertops crowded with dishes and decorations, the risk of something flammable catching fire skyrockets. At TGS Insurance Agency, we’re here to help you find the right coverage so you can celebrate the holidays worry-free. Not so much.

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TGS

DECEMBER 9, 2024

Those are liability magnets, so your coverage should reflect the increased risks. And its not just about dividing assetsits about dividing insurance, too. From comparing quotes to tailoring policies that fit your unique needs, weve got you covered every step of the way. Got a pool or a trampoline? You deserve peace of mind.

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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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TGS

NOVEMBER 15, 2024

So if both vehicles experience damage (let’s say in a hailstorm or other shared risk), you’ll need to meet the deductible on each car individually. If you’re ready to take the plunge, start by gathering your information, get your free auto insurance quote , and discuss options with your insurance provider.

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Property Insurance Centre

MAY 20, 2024

While standard block of flats insurance policies may not include Terrorism cover , it is an important consideration, especially for properties situated in high-risk areas. Location : Geographic location impacts risk assessment for natural disasters, crime rates, and other hazards.

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Cover4LetProperty

JANUARY 2, 2024

Getting the most appropriate insurance cover for your let property is therefore worth more than a second thought and something which you might prefer to entrust to a specialist insurance provider. The post Getting the most appropriate cover for your let property appeared first on Cover4LetProperty.

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Cover4LetProperty

AUGUST 15, 2022

Perhaps the most suitable way of finding cover that meets your needs and at a price that you find realistic is by comparing landlord insurance policies (or let us make those comparisons on your behalf by using our landlord insurance quote service). Remember that all buy to let insurance policies will differ in certain respects.

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TGS

NOVEMBER 18, 2024

Cons: Higher Insurance Costs: No-fault states tend to have higher insurance premiums, as insurers take on greater responsibility for covering claims. Fraud Risks: No-fault systems are sometimes criticized for being more vulnerable to fraudulent claims, which can drive up costs for everyone.

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Freeway Insurance

OCTOBER 26, 2023

If those calculations point to the possibility that the insurance company could lose money on the customer, they’ll either reject the applicant or set the rates high enough to boost the odds of turning a profit despite the heightened risk.

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Cover4LetProperty

JANUARY 4, 2023

So, you may be relieved to discover that there are some buy to let insurance providers – such as ourselves at Cover4LetProperty – who impose no such tenant restrictions and who make no such distinctions. Our service is free and there is no obligation to buy the cover after you have received your quote.

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