TGS

MAY 6, 2025

Customer Service: You might prefer a company with better customer support or claims handling. Whatever your reason, understanding how to change home insurance with escrow ensures the process goes smoothly. Common Questions About Changing Home Insurance with Escrow Can I Change My Home Insurance at Any Time?

Home Insurance

Zywave

JULY 22, 2025

This guide aims to provide you with an overview of the key considerations when evaluating APIs for Personal Lines Quoting. Learn actionable strategies to gain a competitive edge and maximize revenue in the evolving insurance industry in this blog. But is your website making the right first impression?

General Liability

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. Have you disclosed your pool to your insurer?

Liability

Zywave

JUNE 10, 2025

This guide aims to provide you with an overview of the key considerations when evaluating APIs for Personal Lines Quoting. Learn actionable strategies to gain a competitive edge and maximize revenue in the evolving insurance industry in this blog. But is your website making the right first impression?

Cyber

Zywave

JUNE 19, 2025

This guide aims to provide you with an overview of the key considerations when evaluating APIs for Personal Lines Quoting. Learn actionable strategies to gain a competitive edge and maximize revenue in the evolving insurance industry in this blog. But is your website making the right first impression?

General Liability

TGS

MAY 21, 2025

These incidents can lead to significant property damage or, worse, injuries that result in liability claims. A fire that damages siding or outdoor furniture could lead to a homeowners insurance claim. Reviewing coverage with TGS Insurance ensures protection against such unexpected losses.

Liability

TGS

APRIL 18, 2025

TGS Insurance Blog As winter melts away and flowers start to bloom, its time to tackle that spring home maintenance checklist. This seasonal refresh isnt just about sprucing things upits also your chance to protect your biggest investment and avoid costly surprises that could lead to an insurance claim.

Home Insurance

TGS

OCTOBER 30, 2024

TGS Insurance » Blog 5 Must-Know Tips for Comparing Home Insurance Quotes Choosing the right home insurance policy can sometimes feel like trying to find the perfect coffee order—it’s a delicate balance between what you need and what works best for your wallet. So, take a hard look at the coverage amounts in each quote.

Insurance Quotes

TGS

OCTOBER 3, 2023

TGS Insurance » Blog What Is a Homeowners Insurance Quote? A homeowners insurance quote is the proposed amount that you would pay an insurance carrier to cover your home. The quote will be based on many factors, including your home’s age, building features, location and size, as well as your insurance score.

Insurance Quotes

TGS

NOVEMBER 20, 2024

How Credit Score Impacts Home Insurance At its core, your credit score is a measure of financial reliability. Insurers use a version of it—often called a credit-based insurance score—to assess how likely you are to file a claim. Studies have shown a correlation between lower credit scores and higher claim activity.

Home Insurance

TGS

OCTOBER 6, 2023

Those listed on your home insurance, known as the named insured, have the power to make changes to the policy, cancel it, or make a claim. However, the homeowners insurance coverage extends beyond those named on the policy. Either of these endorsements can also be used to grant someone the ability to make claims.

Home Insurance

TGS

OCTOBER 3, 2024

Claims History Both your personal claims history and the history of claims in your area can impact your premium. If you’ve filed multiple claims in the past, insurers may view you as a higher risk, which can raise your rates. Get an instant quote with TGS Insurance Agency to see how you can save.

Premium

TGS

NOVEMBER 1, 2024

Knowing exactly what to do after a car accident can make all the difference in ensuring a smooth claims process, protecting your rights, and, most importantly, keeping everyone safe. Plus, having a police report on file can help you later when dealing with insurance claims. Who should you call?

Injury

TGS

OCTOBER 17, 2023

TGS Insurance » Blog Captive vs Independent Insurance Agency: What’s the Difference? In order to understand the benefits of using an independent insurance agent, it’s essential to recognize what sets them apart. Insurance agencies can be sorted into two categories: captive and independent.

Insurance Agent

TGS

NOVEMBER 18, 2024

The no-fault system was designed to streamline the claims process, reduce the burden on courts, and ensure that accident victims receive compensation more quickly. Think about it—if your insurance is responsible for your expenses regardless of fault, you’re not stuck waiting for an at-fault driver’s insurance to approve or deny your claim.

Auto Insurance

TGS

NOVEMBER 5, 2024

It might seem like a lot of fuss over your home’s specs, but here’s why it matters: these details help the insurer calculate risk. An older home, for instance, might have outdated wiring or plumbing that increases the likelihood of a claim down the line. Insurers want to know what measures you’ve taken to protect your home.

Underwriter

TGS

DECEMBER 16, 2024

Accurate Coverage : Knowing the value of your belongings ensures that your homeowners insurance or renters insurance policy offers sufficient coverage. Streamlined Claims : In the aftermath of a loss, an inventory simplifies the claims process. Without this, you risk being underinsured.

Insurance Agency

TGS

OCTOBER 25, 2024

Every year your home grows older, it becomes more prone to issues such as plumbing leaks, electrical faults, or roof damage—all of which can lead to costly insurance claims. 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.

Home Insurance

TGS

OCTOBER 28, 2024

Simply put, a deductible is the amount you agree to pay out of pocket before your insurance kicks in after a claim. 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.

Deductible

TGS

DECEMBER 11, 2024

Theyve likely memorized every detail of the policies they sell, from the fine print on coverage to the claims process. Independent agents, for example, often advocate for their clients during claims processes, leveraging their relationships with multiple carriers to ensure a smoother experience. But theres a catch.

Agents

TGS

JANUARY 15, 2025

Document the Damage : Take photos or videos for your insurance claim. Call Your Insurance Agent : Reach out to your agent to start the claims process. Having the right homeowners insurance coverage can make all the difference. Having a robust homeowners insurance policy ensures youre ready for the unexpected.

Home Insurance

TGS

SEPTEMBER 22, 2023

Start exploring your options today with a free, instant home insurance quote , no strings attached. Additional Insured vs. Additional Interest: Understanding Your Policy The post How Can I Get Homeowners Insurance After Non Renewal? appeared first on TGS Insurance Agency.

Insurance Carrier

TGS

NOVEMBER 7, 2024

What is Agreed Value Auto Insurance? Unlike standard auto insurance, which typically bases claims on the actual cash value (think market value minus depreciation), agreed value auto insurance is all about clarity and mutual understanding.

Auto Insurance

TGS

NOVEMBER 7, 2024

What is Agreed Value Auto Insurance? Unlike standard auto insurance, which typically bases claims on the actual cash value (think market value minus depreciation), agreed value auto insurance is all about clarity and mutual understanding.

Auto Insurance

TGS

SEPTEMBER 14, 2023

This helps them confirm that you stay insured without giving them the power to adjust your policy or get claim payouts. Additional Interest On Your Auto Insurance For an auto insurance policy, having an additional interest is less common.

Policy

TGS

NOVEMBER 12, 2024

These devices can help prevent accidents and reduce the likelihood of costly claims. To insurance providers, that’s a win. This risk reduction translates to fewer claims and, consequently, a lower likelihood of large payouts. This level of protection is music to an insurance provider’s ears, as it can prevent expensive claims.

Home Insurance

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. Simply put, the safer your home, the lower the chance you’ll file a claim.

Premium

TGS

SEPTEMBER 6, 2023

Unreported Renovations Can Cause a Lapse in Coverage For significant home renovations, your insurance carrier may require you to notify them about the project up to 30 days before construction starts. If you have to file a claim during the renovation, but you failed to report the project to your insurance in advance, it can be costly.

Insurance Policy

TGS

JANUARY 28, 2025

Water damage is one of the most common home insurance claims, so taking preventive steps here is key. This documentation helps track progress and can be invaluable if you need to make an insurance claim. Verify Contractor Credentials If youre hiring professionals, ensure theyre licensed, insured, and experienced.

Home Insurance

Tosten Marketing

FEBRUARY 13, 2025

For instance, when creating a blog post for an insurance agency, it’s not enough to focus solely on informative content. For insurance agencies, terms like “affordable auto insurance” or “home insurance quotes” might prove valuable targets.

Building