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

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. Yes, you read that right. And let’s be honest—who doesn’t love a good discount? In short, yes!

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TGS

DECEMBER 13, 2024

A slip, a loss, or even theft? Theft : If your valuables are stolen, whether from your home or while traveling, a good policy ensures youre not left empty-handed. Factors that influence your premium include: Value of the Jewelry : Higher-value items cost more to insure. Thats where jewelry insurance steps in.

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Freeway Insurance

OCTOBER 8, 2023

It could be an accident, theft or storm damage, for example. Increased premiums When you make an insurance claim after an accident, especially if it is your fault or a large claim, there is a chance that your insurance company will charge you more for your insurance in the future. This is called a premium increase.

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Wren Insurance Agency

AUGUST 28, 2024

When clients request ACV to try to save money on their insurance premiums, while we understand, we will always take the time to try to educate them on why this isn't necessarily a good idea. Now, due to a claim (tied to a weather event, fire, theft, etc.), it would take $1,500 to purchase that same couch today.

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Property Insurance Centre

NOVEMBER 11, 2024

” or can’t get the insurance you deserve for that matter – insurance with reasonable premiums and without unnecessary restrictions. A series of repudiated claims, where a lack of maintenance has been illustrated, is a sure-fire way to have insurance renewals offered with high premiums, higher excesses & restricted levels of cover.

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Paragon Independent Insurance Agencies

FEBRUARY 14, 2025

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. Many insurers offer coverage to owners of high-end vehicles as well as those who own less expensive cars.

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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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Zywave

NOVEMBER 13, 2024

According to a report by the Identify Theft Resource Center , in 2023 there were over 3,000 publicly reported data compromises, impacting over 350 million people. This data can be fed directly into your underwriting and actuarial models, helping you sustainably expand premium opportunities without blindly assuming risk.

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Scott Insurance

JULY 9, 2024

While smoke detectors are required in a home and security systems to prevent theft are common, water damage due to plumbing leaks is thirteen times more likely to occur than fire and six times more likely to occur than theft, yet many homes do not have automatic water shut-off devices.

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Damage Theft Property Damage Insurance Carrier 52

Jackson & Jackson

APRIL 10, 2024

It covers the physical structure of your building and its contents against fire, theft, and some natural disasters. Assessing the Value of Your Property Accurately The value of your property directly affects your insurance premiums and the amount you’ll be compensated in case of a claim.

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Commercial Property Commercial Business Interruption Out-Of-Pocket Expense 52

Jackson & Jackson

APRIL 26, 2024

Key Coverages for California Property Investors Property Damage : Covers damage to your buildings and contents caused by fire, theft, vandalism, and natural disasters. Properties in high-risk areas for earthquakes and wildfires may see higher premiums.

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Jackson & Jackson

APRIL 30, 2024

Understanding Location-Based Risk Factors Location plays a pivotal role in determining insurance premiums for commercial properties. Crime Rates Areas with higher crime rates often have higher property insurance rates due to the elevated risk of theft, vandalism, and other crime-related damages.

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Commercial Property Property Insurance Commercial Crime 52

Protect Commercial Insurance

NOVEMBER 1, 2024

Definition and Purpose Standard home insurance is designed for individuals who live in their property, covering both the home and possessions inside it from damage and theft. Its primary aim is to protect the homeowner’s property and personal assets against common risks, such as fire, theft, or inclement weather.

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Property Insurance Centre

DECEMBER 23, 2024

Having a Fully maintained Theft Alarm Having a Fire Alarm Having Grilles & Shutters on ground floor accessible windows CCTV both internally and externally Anti ram raid road bollards These may be some of the more common protections that most of us will have heard of. So it is essential you check urgently if you have not done so already.

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Freeway Insurance

OCTOBER 26, 2023

If your area has more crime, such as car theft and vandalism, the cost of your insurance may go up because you are more likely to have to make a claim. Your age, driving record, and the insurance regulations in the state in which you live are among the chief determining factors that will set your premiums. But that’s only for starters.

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Property Insurance Centre

SEPTEMBER 25, 2024

This might seem like an advantage since this saves cost initially, though it might lead to high premium costs later on. Building insurance typically covers damage caused by a range of perils, including fire, theft, vandalism, and natural disasters. These can be added to your policy for an additional premium. What is Covered?

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TGS

DECEMBER 11, 2024

Policies, premiums, deductiblesits a lot to process. It can impact the coverage you receive, the cost of your premiums, and how well your policy protects you in the long run. TGS Insurance Blog Captive Agent vs. Independent Agent: Whats the Difference and Why Does It Matter? It depends on what youre looking for.

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Distinguished

FEBRUARY 10, 2025

Whats Covered The policy covers a wide range of risks for direct physical damage, including fire and theft, under an all-risk policy structure with broad coverage. The minimum premium of $500 makes our program accessible, while our high capacity of $125 million ensures suitability for even the most extensive collections.

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Insurance Insurer Insured Damage 52

Distinguished

FEBRUARY 10, 2025

Whats Covered The policy covers a wide range of risks for direct physical damage, including fire and theft, under an all-risk policy structure with broad coverage. The minimum premium of $500 makes our program accessible, while our high capacity of $125 million ensures suitability for even the most extensive collections.

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Insurance Insurer Insured Damage 52

Property Insurance Centre

AUGUST 8, 2024

However, if it goes more long term the insurers can at worst pull cover entirely leaving you to search the market for an alternative, or perhaps apply more stringent conditions and charge a rather large additional premium – usually refundable on a pro-rata basis, assuming you are able to let the property out again!

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Cover4LetProperty

JANUARY 29, 2024

In order to cover the financial liability of having to settle customers’ claims, the insurer charges premiums that reflect the assessed risk of having to pay out in the settlement of a claim. If there is an increase in claims or changes in risk factors, insurance premiums may adjust accordingly.

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Home Insurance Insurance Insurer Insured 52

Property Insurance Centre

AUGUST 28, 2024

Corner Shop Insurance and BT Redcare Alarm changes Business Owners who have corner shop insurance are all to aware of the benefits an appropriate intruder alarm system will have, both in relation to their insurance premiums (or in being given an insurance policy at all in some cases) and to the physical security of their goods.

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Protect Commercial Insurance

JULY 26, 2024

Property insurance can protect these assets from damage or loss due to fire, theft, or other covered perils. Insurance premiums can vary significantly between providers, so it’s essential to compare quotes from multiple insurers. Obtain quotes from at least three different insurers to compare coverage options and premiums.

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Property Insurance Centre

FEBRUARY 10, 2025

Theft and Vandalism Burglary, robbery, and vandalism are significant threats, especially for retail businesses and warehouses storing valuable goods. Fire and Smoke Damage One of the most significant risks to any business, fire can destroy buildings, equipment, and inventory.

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Commercial Property Property Insurance Commercial Boiler and Machinery 52

Distinguished

SEPTEMBER 25, 2024

Job sites that are under construction are prone to things like fire, theft, and vandalism. Theft : Covers the cost of replacing covered items that were stolen from the job site. Equipment : Covers damages to or theft of equipment used on the job site. An increase in construction also means an increase in financial risk.

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Risk Broker-Agent Insurance Insurer 52

Distinguished

FEBRUARY 10, 2025

Whats Covered The policy covers a wide range of risks for direct physical damage, including fire and theft, under an all-risk policy structure with broad coverage. The minimum premium of $500 makes our program accessible, while our high capacity of $125 million ensures suitability for even the most extensive collections.

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Jackson & Jackson

MAY 22, 2024

With the right insurance coverage, investors can mitigate financial losses resulting from unforeseen events such as fires, storms, theft, or vandalism. For instance, properties in high-risk areas for wildfires or earthquakes may require additional coverage or face higher premiums.

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Property Insurance Commercial Property Commercial Insurance 52

Distinguished

JULY 22, 2024

Theft, damage during transport, or accidental breakage can devastate a collection that has taken years to assemble. It also provides more comprehensive protection against a wide range of common risks, including accidental damage, theft, loss, and damage during transit.

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Maritime Insurance International

MARCH 3, 2020

Loss of your boat to theft, fire, or serious weather events while it’s moored in a marina or in storage can be protected. This is an important consideration that will have an impact on your premium cost. The premium for an Actual Cash Value policy is lower than the premium for a comparable Agreed Value policy.

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Insurance Insurer Insured Premium 40

Distinguished

SEPTEMBER 17, 2024

We can consider weather related claims, but claims of theft, vandalism, and fire, for example, would be an automatic decline. If we are comfortable with our exposure, we may consider increasing the AOP deductible and the theft deductible , depending on the underwriting analysis. And in those cases, it would be a declination.

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Risk Broker-Agent Deductible Insurance 52

Protect Commercial Insurance

NOVEMBER 22, 2024

While it might sound complicated, this actually means your premium is tailored to fit your needs, ensuring you don’t overpay for unnecessary coverage. Bundling different types of coverage—think of it as grouping all your essential services in one place—can also help reduce premiums. Each policy has specific inclusions and exclusions.

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Commercial Insurance Commercial Cyber Insurance 52

Distinguished

AUGUST 5, 2024

Affects homeowner premiums : If a claim needs to be made for one of your clients’ toys, that claim could lead to increased premiums on their homeowner’s insurance, a financial burden that may not be worth the claim. The top risks to toys, much like other collectibles, are theft, disappearance in transit, and accidental damage.

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Property Insurance Centre

JANUARY 30, 2024

Key aspects to consider when buying buildings insurance include reviewing the policy’s exclusions , understanding excesses , comparing premiums, and evaluating the level of customer service provided by the insurer. Review the policy’s exclusions , understand excesses , and compare premiums.

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Insurance Insurer Insured Building 52

Triple-I: Business Insurance

APRIL 4, 2024

The 2023 Data Breach Report from Identity Theft Resource Center (ITRC) reveals that last year delivered a bumper crop of cybersecurity failures – 3,205 publicly reported data compromises, impacting an estimated 353,027,892 individuals. Gross direct written premiums climbed to USD 13 billion in 2022.

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Financial Loss Cyber Crime Risk 52

TGS

DECEMBER 9, 2024

Instant Home Insurance Quote Start Typing Your Address GET YOUR QUOTE NOW Recent Home Insurance Articles: How Major Life Events Impact Insurance: Protecting What Matters Most Christmas Tree Safety: Keeping Your Holiday Bright, Not Hazardous Protecting Your Holiday Cheer: Tips to Prevent Package Theft This Season Affordable Home Safety Improvements (..)

Protection 52

Protection Insurance Insurer Insured 52

TGS

DECEMBER 4, 2024

Instant Home Insurance Quote Start Typing Your Address GET YOUR QUOTE NOW Recent Home Insurance Articles: Christmas Tree Safety: Keeping Your Holiday Bright, Not Hazardous Protecting Your Holiday Cheer: Tips to Prevent Package Theft This Season Affordable Home Safety Improvements to Lower Your Insurance Premiums Thanksgiving Fire Safety: Protect Your (..)

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