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.

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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 An older home, for instance, might have outdated wiring or plumbing that increases the likelihood of a claim down the line.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.

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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.

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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. Opting for a higher deductible can lower your monthly premium.

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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.

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Freeway Insurance

JANUARY 3, 2025

The current average cost of an annual car insurance quote in California for minimum required liability is $670 for minimum required liability*. More vehicles on the road lead to a higher risk of accidents, which in turn raises the number of claims that insurance companies must cover.

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ProWriters

APRIL 3, 2024

Understanding E&O Insurance Errors and Omissions (E&O) Insurance is liability coverage protecting professionals against claims for negligence, errors, or mistakes made in the course of their work. It’s especially important for businesses and individuals in the legal, accounting, real estate, and insurance sectors.

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TGS

SEPTEMBER 22, 2023

Start exploring your options today with a free, instant home insurance quote , no strings attached. If it’s due to a failed inspection, you often have a chance to fix the issue!

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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.

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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.

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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.

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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.

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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.

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

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TGS

OCTOBER 17, 2023

Discuss Your Policy Without Hurting Your Insurance Score Did you know that it counts against your insurance score to report a financial loss, even if you decide not to file an insurance claim? Even without filing a claim, your insurance score will suffer. It all starts with a free, instant quote.

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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. Contact us today to secure your peace of mind.

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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.

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Distinguished

SEPTEMBER 25, 2024

Soft costs : Additional expenses caused by a covered claim that are not related to building materials, equipment, or other hard costs; these soft costs could include additional reinspection fees, increased tax burdens, and insurance premiums. They require insurance to protect against potential claims.

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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.

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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.

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Zywave

AUGUST 8, 2024

Cyber losses are on the rise, and that means the industry needs simplified cyber insurance quoting. Learn more about Cyber Quoting. Zywave is a leading provider of insurtech and is revolutionizing the industry by powering a digital transformation to fuel growth for our customers, including when it comes to cyber.

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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.

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Protect Commercial Insurance

DECEMBER 6, 2024

Imagine receiving an insurance quote that perfectly suits your business’s unique risk profileit’s not fantasy; it’s the future. – Fraud Detection : AI’s capability to detect anomalies makes it a powerful tool against fraudulent claims.

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Maritime Insurance International

MARCH 16, 2020

Perhaps the most important decision boat owners need to make when purchasing boat insurance is how they want their claim to be settled in the event of a total loss of their boat. There are three types of boat insurance policies, each of which pays out on a total loss differently. What Are the Main Types of Boat Insurance?

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Property Insurance Centre

MAY 20, 2024

Consequences of Underinsurance In the event of a claim on the block insurance policy , the insurer or its appointed loss adjuster may check to see that the Declared Value is adequate. If it is not, they may rely upon a clause within the insurance policy called Average, Average Condition, or Underinsurance.

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Cover4LetProperty

JANUARY 2, 2024

If the property is going to be occupied by tenants and you are earning an income from the rent they pay, purpose designed landlord or buy to let insurance is required. Not only is standard home insurance insufficient, but if you rely upon it for a let property, any claim may be rejected by your insurer.

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Maritime Insurance International

JUNE 5, 2020

Bundle discounts may be available when purchasing multiple lines of insurance through the same provider. Zero Claims. Some providers offer discounts for individuals who have not previously filed a boat insurance claim. Whether you need to insure a luxury yacht, charter vessel, or your family boat, we can help.

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Jackson & Jackson

AUGUST 16, 2024

Choosing the Right Insurance Provider When searching for homeowners insurance in California, it’s crucial to do thorough research and compare quotes from different insurance providers. Look for reputable companies with a strong financial standing and a history of satisfying their customers’ claims.

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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).

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Freeway Insurance

OCTOBER 26, 2023

Factors Within Zip Codes Affecting Car Insurance Crime rates in different areas: The level of crime in your neighborhood influences how much you pay for car insurance. 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.

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Freeway Insurance

NOVEMBER 22, 2023

If you’re unsure, speak with someone who can help you decide and get you the best health insurance coverage at an affordable price. Why not get a free health insurance quote today or you call us at 888-993-2068. Under 26 Health coverage for people under 26 years of age includes college students.

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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.

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Cover4LetProperty

JANUARY 4, 2023

You don’t even need to let us know that you have a tenant or tenants in receipt of housing benefits or any other benefits when you get your landlord’s home insurance quote. With our easy-to-use quote and buy online system, we will compare the market landlords’ insurance to see which solution most suits your own unique requirements.

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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.

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Tosten Marketing

FEBRUARY 13, 2025

For insurance agencies, terms like “affordable auto insurance” or “home insurance quotes” might prove valuable targets. Long-tail keywords, such as “best life insurance for seniors over 70,” often have less competition and higher conversion rates.

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