Property Insurance Coverage Law

JANUARY 18, 2025

Premiums have soared, and coverage options have dwindled, leaving countless families vulnerable to financial ruin. Millions of Americans have faced an escalating crisis with their homeowners insurance.

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Boyle Agency Insurance

DECEMBER 3, 2024

That’s because several factors influence the cost of auto insurance premiums. A clean driving record with no accidents or violations typically results in lower premiums, as it demonstrates responsible driving behavior. Younger, less experienced drivers often face higher premiums due to a higher perceived risk.

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PSM Brokerage

AUGUST 7, 2024

Preliminary average Part D premiums will be released later this summer, with the finalized 2025 landscape available in mid-to-late September. The base beneficiary premium for 2025 will be $36.78, an increase of $2.08 Source: [link] View all CMS Inflation Protection Act Press Releases here.

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American Agents Alliance

APRIL 3, 2025

Rising expenses could perhaps cause higher insured values, leading to policy adjustments and higher premiums. Here are some ways agents can help: Educate policyholders about costs and rising premiums. Tariffs can also drive up inflation in the overall economy, increasing labor costs across industries. Education is often the first step.

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Final Expense Brokerage

JUNE 23, 2024

It allows you to leave a lasting legacy and protect your loved ones from financial stress during an already difficult time. Financial Protection for Funeral Costs One of the main reasons consumers need final expense life insurance is to provide financial protection for funeral costs.

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TGS

NOVEMBER 27, 2024

TGS Insurance » Blog Affordable Home Safety Improvements to Lower Your Insurance Premiums Owning a home is a dream come true—until those monthly bills remind you of the costs involved. From utilities to maintenance to insurance premiums, it adds up quickly. And you don’t need to spend a fortune to make meaningful improvements.

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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. Let’s dig into the 10 factors that affect homeowners insurance premiums in Florida—and everywhere else, too.

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Final Expense Brokerage

JUNE 14, 2024

I'm John, and I've been helping families like yours for over a decade to ensure they’re protected against unexpected final expenses." Highlighting the Benefits Emphasize the key benefits of final expense insurance, such as affordable premiums, easy qualification processes, and the peace of mind it provides.

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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. If you’re wondering why your premiums have spiked, you’re not alone.

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TGS

DECEMBER 13, 2024

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. At its core, jewelry insurance is a specialized form of coverage designed to protect your valuables.

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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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Shield Insurance Agency

AUGUST 20, 2024

Small Insurance Claims Can Raise Premiums Small insurance claims, such as those for minor property damage, may seem like a hassle to deal with. One major consequence of filing small insurance claims is the potential for increased insurance premiums. Shield Insurance Blog | Small Insurance Claims | Contact Our Sales Team!

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Triple-I: Homeowners Insurance

JANUARY 20, 2025

By providing feedback to encourage safer driving habits, telematics has been found to lower risk and reduce auto premiums, empowering consumers to recognize their direct influence on their insurance rates, Kempton said. In insurance, we talk about mitigating loss, Kempton said.

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Tosten Marketing

FEBRUARY 27, 2025

This blog post will explore what types of water damage are typically covered, common exclusions, and additional coverage options to consider for comprehensive protection. This proves particularly important for businesses with extensive sprinkler systems for fire protection. What Water Damage Does Commercial Property Insurance Cover?

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TGS

NOVEMBER 12, 2024

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. This level of protection is music to an insurance provider’s ears, as it can prevent expensive claims.

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AMAXX

JANUARY 14, 2025

Exclusivity: Protection Against Lawsuits One of the most significant benefits of workers compensation for employers is the exclusive remedy provision. Employers pay premiums for this coverage, enabling them to forecast and plan for these costs more effectively. Lets dive deeper into these aspects.

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Property Insurance Centre

MARCH 21, 2025

This diversity in building age and structure affects insuranceolder buildings may face higher premiums due to maintenance risks, while newer developments may require higher coverage for cutting-edge amenities. Insurers view these uses as higher risk, which can lead to increased premiums or the need for specialist insurance policies.

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TGS

NOVEMBER 29, 2024

TGS Insurance » Blog Protecting Your Holiday Cheer: Tips to Prevent Package Theft This Season Ah, the holidays—a time for joy, celebration, and (let’s be honest) an avalanche of online shopping. Upgrade Your Delivery Service Many companies now offer premium services that ensure items are handed directly to you or a household member.

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Paragon Independent Insurance Agencies

FEBRUARY 14, 2025

Protecting a high-end vehicle in Plano, TX, can help secure your overall investments. You’ll pay for premiums covering liability, collision, comprehensive, and all the other major categories you would find in a standard auto insurance policy. Theft deterrent devices are another route to lower premiums.

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Triple-I: Homeowners Insurance

OCTOBER 14, 2024

AM Best and Fitch Ratings each issued reports last week warning that Milton could stretch liquidity of Florida-based residential insurers that are primarily focused on protecting in-state homeowners. But experts closer to Florida’s insurance industry cast doubt on those assertions.

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TGS

DECEMBER 9, 2024

TGS Insurance Blog How Major Life Events Impact Insurance: Protecting What Matters Most Life, as they say, is full of surprises. Sleepless nights, endless diaper changes, and the overwhelming desire to protect that tiny human. Because when it comes to protecting what matters most, you deserve more than cookie-cutter solutions.

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PSM Brokerage

JANUARY 23, 2025

Stability: Once enrolled, clients can keep their plans as long as they continue to pay premiums. Cancer and Critical Illness Plans: These policies provide extra protection for unexpected health crises, which can be particularly attractive to seniors.

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Distinguished

FEBRUARY 24, 2025

Key coverages we offer include: Property insurance: Protection for buildings, equipment, and inventory against fire, theft, and natural disasters. Liquor liability insurance: Essential for restaurants serving alcohol, this coverage protects against claims involving alleged intoxicated patrons.

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Freeway Insurance

DECEMBER 9, 2024

By exploring health insurance coverage options from the ACA and researching opportunities for extra savings, you can protect yourself with an affordable health insurance plan that fits in with your lifestyle as a gig worker, contractor, or small business owner. But is it affordable? That means you could get up to a $125 discount each month.

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TGS

NOVEMBER 25, 2024

TGS Insurance » Blog Thanksgiving Fire Safety: Protect Your Home, Your Family, and Your Peace of Mind Thanksgiving—the word alone brings a flood of cozy images, doesn’t it? 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.

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TGS

FEBRUARY 28, 2025

If a property has multiple claims, it might lead to: Higher premiums Frequent past claims signal higher risk. Well walk you through your options, explain how your loss history report affects your premiums, and make sure youre getting the coverage you need at the best possible price. If the seller is hesitant, that might be a red flag.

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Majesco

FEBRUARY 13, 2025

Unsafe driving, inflation, and auto repair costs are responsible, in part, for rising premiums. We can see how insurance premiums are affecting the gulf coast and now, California. With risk resilience, there must first be a focus on assessment and recommendations for prevention as a part of providing protection.

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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. These drivers are often seen as higher risk by insurers, which can lead to higher premiums even before the 2025 hike. As these expenses climb, insurers pass them on to drivers through higher premiums.

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TGS

MARCH 4, 2025

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. Understand Your Needs: Beyond the minimum, consider adding bodily injury liability or collision coverage for extra protection.

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Bankers Insurance

NOVEMBER 15, 2023

How to Protect your Business Against Frozen Pipes and Sprinkler Systems In the winter season, businesses encounter unique property challenges, notably the potential for frozen pipes and sprinkler systems. Exterior pipelines: Outdoor pipelines, used for landscaping, irrigation, or fire protection, are exposed to the elements.

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Property Insurance Centre

FEBRUARY 10, 2025

Commercial property insurance is essential for businesses to protect their assets from unforeseen events. Some policies, however, offer “all-risk” coverage, which protects against all perils except those specifically excluded. What Perils Are Covered by Commercial Property Insurance?

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Distinguished

MARCH 10, 2025

Museums require specialized protection against various risks. A key advantage of stand-alone policies is that claims on the Fine Art & Collectibles policy do not affect the premiums or terms of the museums property policy. They are the custodians of priceless cultural, historical, and artistic treasures.

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Majesco

MARCH 27, 2025

When she recently realized that her premiums for both vehicles were nearly identical (and they had both gone up), she called her insurance agent. The potential premium savings are worth the data sharing. Both generational groups are experiencing related tipping points, however, due to the effect of inflation on insurance premiums.

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Final Expense Brokerage

NOVEMBER 30, 2024

It’s not about your health—it’s about protecting your family from unexpected costs. Starting earlier can give you peace of mind and lower premiums, so you’re covered regardless of what life brings.” This gave her peace of mind knowing her family could handle these expenses smoothly, regardless of her health.”

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Property Insurance Centre

JANUARY 30, 2025

Block of Flats Insurance with Unoccupied Cover A tailored policy that protects both occupied and vacant flats within the same building. If you’re unsure, consult a broker or insurer experienced in property management to ensure you’re fully protected.

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Redbird Agents

JUNE 14, 2024

FIA Accumulation Highlights : Review premium requirements, fixed rates, withdrawals and more! Fixed Annuity Highlights : Inform your customers on current yields, first year bonus rates, minimum premiums and more! Purchasing “Options” protect funds from loss in market is how customers have downside protection with upside potential.

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Simply Insurance

SEPTEMBER 19, 2024

Discover the costs associated with student pilot insurance, including factors that influence premiums, coverage options, and tips for finding the best rates to protect your aviation journey.

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