Paragon Independent Insurance Agencies

JANUARY 15, 2025

Many rely on home insurance solutions from teams like the Paragon Independent Insurance Agency to protect their homes from these risks. These problems often occur long after the claim has been filed. What If a Problem Persists After the Claim is Closed?

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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.

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Bankers Insurance

MAY 16, 2024

TIPS FOR BUYING HOME INSURANCE For millions of Americans, home insurance remains an essential financial safeguard. The homeowners insurance market is complicated and dynamic, and many policyholders have experienced increased rates in recent years despite no changes to their coverage or claims filed.

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TGS

NOVEMBER 20, 2024

TGS Insurance » Blog Does Credit Score Affect Home Insurance? A Closer Look If you’ve ever applied for home insurance and wondered why your credit score comes into play, you’re not alone. How Credit Score Impacts Home Insurance At its core, your credit score is a measure of financial reliability.

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Protect Commercial Insurance

NOVEMBER 1, 2024

Whether you’re a landlord with several rental properties or a homeowner looking to safeguard your family home, understanding your insurance needs is essential. In this blog, we’ll explore the key differences between landlord insurance and standard home insurance.

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Cover4LetProperty

JANUARY 29, 2024

To understand why landlord insurance is typically more expensive than standard home insurance, it might be helpful to go back to the basics of insurance itself. Essentially, insurance is about risk and a calculation of the probability of loss or damage being suffered by the insured item or items.

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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. Well, it all comes down to risk. To insurance providers, that’s a win.

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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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Freeway Insurance

DECEMBER 24, 2024

Once you purchase your first house and set up a homeowners insurance policy , you may think that your insurance needs will be taken care of for as long as you own the house. However, reviewing your home insurance policy on a regular basis is essential if you want to fully protect your property.

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Distinguished

MARCH 20, 2025

And with rising property values, more frequent catastrophic weather events, and emerging risks like habitability claims, its never been more critical to help your clients navigate their insurance options. Without the right coverage, property owners could be exposed to significant financial and legal risks.

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TGS

APRIL 30, 2025

Insurance tip: In a liability claim, your preparedness can make a huge difference. Insurance tip: Some insurers offer discounts for advanced safety features. These technologies may also bolster your case if you ever face a liability claim. Make sure everyone knows where to find themand how to use them.

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Distinguished

APRIL 29, 2025

Although cities like Denver, Boulder, and Colorado Springs have thriving real estate markets, owning rental properties still comes with risks, making rental property insurance essential. Hailstorms , winter storms, and tenant-related liabilities can lead to significant financial losses if landlords are not properly insured.

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Prof. Allan Manning

FEBRUARY 24, 2024

L oss Management International (Post loss Claims Preparation and Loss Adjusting) , Risk Management International (Pre Loss policy program reviews and business interruption sum insured reviews), and Claims Management International (Post Loss Third Party Administration services) based in Melbourne, Australia.

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Triple-I: Homeowners Insurance

OCTOBER 14, 2024

The estimate accounted for up to $10 billion in litigated claims due to one-way attorney fees that were in effect at the time of the storm. Florida residential insurers also have adequate levels of reinsurance to cover catastrophic loss events like Milton.” Join us in Miami, Nov. 19 and 20.

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Freeway Insurance

DECEMBER 17, 2024

When winter weather rolls into town, that means one thing for homeowners: an increased risk of weather-related damage. To limit the impact of harsh, freezing temperatures and blustering blizzards, its important to understand some basic snow home maintenance to avoid having to make a costly homeowners insurance claim.

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Distinguished

APRIL 21, 2025

However, with opportunity comes risk: property damage, liability claims, and unexpected financial losses can quickly turn a profitable investment into a costly liability. For brokers and agents, understanding landlord insurance in Chicago is crucial for helping clients safeguard their investments while expanding business opportunities.

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Distinguished

MARCH 20, 2025

Additionally, defects in windows, doors, handrails, and stairs not only contribute to drafts and security concerns but also increase the risk of falls. Blocked emergency exits or fire escapes and electrical hazards, including exposed wiring or overloaded circuits, further compound these risks.

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Shield Insurance Agency

AUGUST 20, 2024

Shield Insurance Blog | Small Insurance Claims | Contact Our Sales Team! Small Insurance Claims Can Raise Premiums Small insurance claims, such as those for minor property damage, may seem like a hassle to deal with. However, filing small insurance claims can have long-term financial consequences.

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Property Insurance Centre

JULY 21, 2024

Our Claims Partner, Aspray, Wins Loss Assessor of the Year 2024 We are delighted but not surprised to announce that our claims partner, Aspray, has won the prestigious “Loss Assessor of the Year 2024” award at the British Claims Awards.

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Property Insurance Centre

MAY 19, 2025

This can lead to repudiated claims Lets take a look at some of the benefits of an insurance policy for a typical small or medium-sized business. Note, trace & access is only payable when there is valid claim or leak. It cost of which cant be reclaimed if a floor is ripped up to find there is no leak!

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Property Insurance Centre

JANUARY 30, 2025

Empty properties pose higher risks, including: Security concerns Unoccupied units are more vulnerable to vandalism, break-ins, and squatting. Fire risks An unoccupied space can become a target for arson or suffer unnoticed electrical faults. Regular inspections Some insurers require vacant units to be checked every 714 days.

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Property Insurance Centre

MAY 2, 2025

Although not always standard on a business insurance policy, it can be added for an extra premium. The additional premium could be as little as 25 and can give up to 250,000 worth of cover for any one claim. If your policy does not include this as standard, it would be worthwhile asking about adding a separate stand-alone policy.

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Triple-I: Homeowners Insurance

JULY 9, 2024

Beryl unleashed flooding rains and winds that transformed roads into rivers and ripped through power lines and tossed trees onto homes, roads, and cars. Restoring power to millions of Texans could take days or even weeks, subjecting residents who will not have air conditioning to further risk as a sweltering heatwave settles over the state.

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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 often request an EWS1 form or similar documentation to assess fire risks.

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Property Insurance Centre

FEBRUARY 10, 2025

#Video Common Perils Covered by Commercial Property Insurance Most commercial property insurance policies cover a broad range of risks, often referred to as “named perils.” ” If a peril is explicitly listed in the policy, the insurer will cover the damage it causes.

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Distinguished

MARCH 6, 2025

Pending or unresolved housing violations can make it difficultor even impossiblefor a property owner to obtain insurance , depending on the severity of the issue. Insurers view these violations as signs of deferred maintenance and increased risk. This trend could significantly impact landlords and property owners.

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Distinguished

MARCH 19, 2025

Mold & Water Damage are also major concerns; leaks or excessive moisture can lead to mold growth that poses health risks. Additionally, Electrical Hazards like exposed wiring or unpermitted electrical workpose serious safety risks. Insurers view these violations as signs of deferred maintenance and increased risk.

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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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Property Insurance Centre

JANUARY 27, 2025

Shared Ownership Flats If youre in a shared ownership scheme, the housing association usually arranges insurance, but you should confirm this in your agreement. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership.

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InsuredMine

AUGUST 27, 2024

Send Documents Quickly to your Clients With e-signatures, insurers can send documents to clients right away. Now, as soon as an agent finalizes a policy or claim document, it can be instantly transmitted to the client’s email or smartphone. Easy Signing Process E-signature systems are designed with user-friendliness in mind.

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Cover4LetProperty

DECEMBER 1, 2023

The main difference between home insurance and landlord insurance lies in the intended purpose and cover. Here are the key distinctions: Occupancy Home insurance: this type of insurance is designed for owner-occupied properties. It takes into account the unique risks associated with renting out a property.

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Wren Insurance Agency

OCTOBER 23, 2024

Now that we are in the thick of the official hurricane season here in Florida, you may have noticed - if you recently tried to bind a new home insurance policy - that most carriers will stop writing up to a week or two prior to a named storm possibly impacting the state. The more damage, the more likely premiums will rise at renewal.

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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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Wren Insurance Agency

NOVEMBER 13, 2024

This is where "surplus lines" insurance comes in. A surplus lines company is a type of insurer that provides coverage for risks that are unavailable through standard, licensed carriers. Costs can be higher for policyholders and if a surplus lines carrier goes insolvent, existing claims will not be paid by the State.

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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. It makes sense, right? Opting for a higher deductible can lower your monthly premium.

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Property Insurance Centre

OCTOBER 18, 2024

Recent data from 2023 and 2024 highlights the financial strain on insurers and property owners alike, driven by more severe storms, heavy rainfall, and unpredictable weather patterns. Rising Claims Due to Extreme Weather In 2023, UK insurers faced record-breaking claims from weather-related damage.

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Mark Jackson Insurance Agency

MAY 21, 2024

While operating a business from home offers convenience and flexibility, it also necessitates careful consideration of insurance needs. Traditional home insurance policies often fall short of covering the unique risks associated with running a business from home.

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