Distinguished

APRIL 21, 2025

The damage is extensive, and tenants are forced to relocate while repairs are underway. However, with opportunity comes risk: property damage, liability claims, and unexpected financial losses can quickly turn a profitable investment into a costly liability. Sewer and drain backup: Protects against water damage from plumbing backups.

Broker

Agency Height

JULY 31, 2025

No damage to your home, no claims filed… and yet, your home insurance premium goes up at renewal. Imagine this : You’ve done everything right, kept up with your home maintenance, paid your insurance premiums on time, never filed a claim. But then, something out of your control happens. Your neighbor’s house catches fire. Sounds unfair?

Premium

Distinguished

FEBRUARY 24, 2025

Based on our decades of experience in this industry, here are some of the top exposures we see restaurants facing in markets like Charlotte: Fire damage: Fire is a constant risk in hot kitchens, and even a small incident could lead to heavy repair bills and a temporary closure. What Does Distinguisheds Restaurant Insurance Cover?

Liability

Distinguished

APRIL 29, 2025

Without the right safeguards in place, landlords could face significant financial losses from damages, legal claims, or lost rental income. A specialized landlord insurance policy provides protection against lost rental income, tenant-related damages, and extreme weather.

Liability

Distinguished

JUNE 16, 2025

HOA insurance typically includes coverage for property damages, crime, and liability suits to common areas like: Rec rooms Pools Clubhouses Walkways Stairways Tennis courts Here’s a breakdown of the core coverages an HOA needs.  What Does HOA Insurance Typically Cover?

Liability

Property Insurance Centre

MARCH 11, 2025

Higher Crime Rates and Security Concerns London experiences more burglary, vandalism, and theft claims compared to rural or suburban areas. Unoccupied flats pose risks like water damage and squatting, which insurers consider when pricing policies.

Risk

Jackson & Jackson

APRIL 30, 2024

Properties in high-risk zones for these disasters typically see higher insurance rates due to the increased likelihood of damage—especially the Brush Areas in California. 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.

Commercial Property

Freeway Insurance

OCTOBER 26, 2023

Insurance companies take into account things like traffic, crime, frequency of accidents and even the weather. So if you live in a city with a lot of traffic or in an area with more crime, your insurance may cost more than if you live in a quieter, safer place. Why Will I Pay More for My Car Insurance If I Live in an Urban Environment?

Crime

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. Location, Location, Location Where your home is located has a huge impact on your premium.

Premium

ProWriters

JULY 25, 2024

Analysts project cyber crime to cost the U.S. AT&T Telecommunications company AT&T suffered a massive breach that exposed almost all of its 109 million customers to an increased risk of identity theft. Legal repercussions, financial hits, and damaged reputations are just the tip of the iceberg. trillion by 2028.

Protection

Distinguished

SEPTEMBER 10, 2024

This includes damages that arise from: Fires Theft Vandalism Weather events We are also proud to offer coverages beyond property damage for buildings, temporary structures, and building materials. Our program also offers your clients general liability insurance, which can help cover legal costs that can occur on work sites. 

Risk

Protect Commercial Insurance

NOVEMBER 8, 2024

It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries. – Liability Insurance: Covers your business in case of lawsuits due to injuries or damages caused as a result of business operations.

Commercial Insurance

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. When you renovate or expand your home, you’re increasing its value—and with greater value comes higher costs to repair or rebuild in the event of damage.

Home Insurance

Property Insurance Centre

MAY 20, 2024

damage caused by a leak). Terrorism Cover for Block of Flats Insurance policies for individual houses typically include cover for damage or loss caused by an Act of Terrorism. Construction Type : The materials and construction methods used can influence the coverage, particularly concerning fire resistance and susceptibility to damage.

Building

Distinguished

MARCH 25, 2025

This kind of coverage ensures each piece is protected at its full appraised value and accounts for risks unique to collectible decoys, such as accidental damage, theft, and environmental factors like humidity and warping. A standard homeowner’s or renter’s policy isnt enough. Ready to get started?

Deductible

Distinguished

JUNE 2, 2025

Some of the most common claims we see in the state include: Frozen pipes in winter that cause water damage to basements or walls. Wind or hail damage to siding and roofing systems. Winter brings heavy snowfall and cold temperatures, and with it, ice dams and frozen pipes, which can cause significant property damage.

Liability