Paragon Independent Insurance Agencies

APRIL 15, 2025

Home insurance serves as a safety net when unforeseen circumstances occur. If your home has recently been burglarized and you have home insurance, you might wonder if your policy can assist in the recovery process. Does Home Insurance Provide Coverage for Burglary?

Home Insurance

TGS

JULY 25, 2025

That’s what you’d get if it’s stolen or damaged. Replacement value (or replacement cost value, RCV) is what it would cost to buy a brand-new version of your lost or damaged item today, without worrying about depreciation. Ask Questions : If you’re confused about your policy, reach out to your insurer for clarity.

Out-Of-Pocket

TGS

APRIL 23, 2025

The Rising Tide of Roof Claims Several factors contribute to the surge in roof claims: Wind and Hail Damage: These elements were the primary drivers of loss costs, accounting for over half of all residential claims in 2024. Aging Roofs: Approximately 38% of U.S. Longer Claim Resolution Times: The average claim cycle time has reached 32.4

Claim

Mark Jackson Insurance Agency

MARCH 5, 2025

Exterior view of a suburban home by Binyamin Mellish Severe weather can strike at any time, bringing heavy rain, strong winds, hail, snow, or extreme heat that can damage your home. Preparing your property in advance can minimize potential damage, reduce costly repairs, and keep your family safe.

Protection

Paragon Independent Insurance Agencies

JUNE 16, 2025

Renting out your home can be a smart move, but it’s essential to understand how it affects your insurance coverage. At Paragon Independent Insurance Agency, serving the Plano, TX community, we frequently receive questions from homeowners considering becoming landlords. Do You Need Landlord Insurance?

Insurance Agency

TGS

MARCH 4, 2025

10,000 in Property Damage Liability (PDL): Pays for damage you cause to someone elses property in an accident. Beyond legal penalties, driving without insurance in Florida leaves you vulnerable. Why Do People Risk Driving Without Insurance in Florida?

Auto Insurance

TGS

FEBRUARY 14, 2025

But heres something we often overlook: what happens if that gift is lost, stolen, or damaged? Most standard homeowners or renters insurance policies offer limited coverage for high-value items, often capping jewelry and other valuables at a fraction of their worth. Contact us today to learn more about valuable articles insurance.

Protection

TGS

FEBRUARY 4, 2025

It wont cover: Normal wear and tear or aging appliances Cosmetic damages (scratches, dents, etc.) Improper installation or maintenance neglect Damages covered by a manufacturers warranty In other words, if your ten-year-old refrigerator stops working because its simply reached the end of its lifespan, this coverage wont help.

Home Insurance

TGS

MAY 22, 2025

Here are key preparation tips: Review Your Insurance Coverage : Confirm that your homeowners insurance includes sufficient windstorm and flood protection. Many standard policies exclude flood damage, so consider adding a flood insurance policy through the National Flood Insurance Program (NFIP) or private insurers.

Damage

Shield Insurance Agency

MAY 12, 2025

While your auto insurance might extend to a personal trailer while it’s hitched, coverage typically ends once it’s unhitched. Home insurance may offer some coverage while the vehicle is on your property, but it won’t cover damages that occur during travel.

Out-Of-Pocket Expense

TGS

APRIL 30, 2025

Insurance tip: Equipment failures and pool-related damage (like leaks) are often excluded from homeowners policies if they stem from neglect. Have you disclosed your pool to your insurer? TGS Pro Tip: At TGS Insurance Agency, we help homeowners like you find policies that account for all your backyard fun.

Liability

TGS

MAY 21, 2025

Now picture a sudden flare-up disrupting the scene or damaging the deck. According to the National Fire Protection Association , grills spark an average of 10,600 home fires each year. These incidents can lead to significant property damage or, worse, injuries that result in liability claims.

Liability

TGS

APRIL 18, 2025

Inspect the Roof for Winter Damage Why it matters: Your roof takes a beating all winter long. Insurance tip: Catching roof damage early can prevent water leaks that might not be covered under all homeowners insurance policiesespecially if its considered a maintenance issue. Cut back limbs hanging over your home.

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. Not every policy covers every peril. That’s right.

Insurance Quotes

Paragon Independent Insurance Agencies

JANUARY 15, 2025

Homeowners in the greater Plano, TX area face various potential threats, including falling trees, wind and hail, fires, and water damage. Many rely on home insurance solutions from teams like the Paragon Independent Insurance Agency to protect their homes from these risks.

Home Insurance

Paragon Independent Insurance Agencies

JULY 31, 2024

Lenders want to ensure their interest in the property is protected if an unfortunate disaster damages it. Our knowledgeable agents at Paragon Independent Insurance Agency in Plano, TX, are here to help. We are here to help you fully understand what a home insurance deductible is and which is best for you.

Deductible

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.

Home Insurance

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.

Home Insurance

Mark Jackson Insurance Agency

JULY 8, 2024

However, amidst the excitement, it's crucial to undertake precautions to avoid common pitfalls that could lead to home insurance claims. Check for Pipes Before Drilling or Cutting Through Walls One of the most common mistakes during home renovations is accidentally cutting through water pipes.

Home Insurance

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.

Home Insurance

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.

Policy

Wren Insurance Agency

OCTOBER 17, 2024

At this time of year, typically due to Florida storms causing damage to our homes, there are a larger number of insurance claims than normal. Many adjusters investigate your claim by visiting your property; in person, viewing and documenting losses and damages personally.

Damage

Shield Insurance Agency

JUNE 11, 2024

The Red Cross | Thunderstorm | Home Insurance | Auto Insurance | Contact Us Need Help Now? Thunderstorms often bring powerful winds that can knock down trees, power lines, and mobile homes, intense rainfall that causes flash floods, tornadoes, lightning strikes that can spark fires, as well as damaging hail.

Insurance Agency

Paragon Independent Insurance Agencies

SEPTEMBER 30, 2024

Ensure your tiny house is insured against theft and damage. Begin by conducting a comprehensive home assessment, then select residential coverage to include in your insurance policy. Home Insurance Like any other residence, a tiny home is eligible for various types of home insurance coverage.

Out-Of-Pocket Expense

Shield Insurance Agency

AUGUST 20, 2024

Small Insurance Claims Can Raise Premiums Small insurance claims, such as those for minor property damage, may seem like a hassle to deal with. Many policyholders may be tempted to file a claim for every little incident in the belief that their insurance policy will cover all damages.

Insurance Claim

Shield Insurance Agency

JUNE 28, 2024

Shield Insurance Blog | Storm Scams | Call 616-896-4600 After a bad storm hits and damages your property, it’s important to stay vigilant to avoid being scammed. In this blog, I’ll provide you with essential advice on how to protect yourself and your property from scammers after storm damage.

Insurance Agency

TGS

JANUARY 15, 2025

TGS Insurance Blog Freezing temperatures might not visit your home often, but when they do, preparation is key to avoiding damage and keeping everyone safe. Lets explore practical, straightforward steps to help you prepare your home for a freezeensuring peace of mind and protection from the cold.

Home Insurance

Paragon Independent Insurance Agencies

JUNE 28, 2024

Your residential insurance policy can list the items you invest in. The insurance coverage will protect against unforeseen damage and theft. If you need to file an insurance claim, the coverage you have purchased will handle the costs you are faced with while you are rehabilitating your property.

Home Insurance

TGS

DECEMBER 4, 2024

And if your tree includes built-in lights, inspect the wiring for any signs of wear or damage. Replace damaged strings immediately. Artificial trees should be stored in a cool, dry place to prevent damage and prolong their life. When shopping for an artificial tree, look for one labeled as “fire-resistant” or “flame-retardant.”

Home Insurance

TGS

JANUARY 6, 2025

Protecting Yourself Beyond Minimum Limits While meeting the state’s minimum insurance requirements is mandatory, its important to recognize that these limits might still fall short in a severe accident. At TGS Insurance Agency, we specialize in helping drivers find the right auto insurance coverage at competitive rates.

Auto Insurance

TGS

NOVEMBER 25, 2024

So, how can you keep your home and loved ones safe this Thanksgiving? Let’s dive into some practical fire safety tips and explore how a solid home insurance policy can add a layer of protection—just in case the unexpected happens. Where Does Home Insurance Come In? That’s where homeowners insurance steps in.

Protection

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. Insider Tip: Some states offer rebates for stormproofing your home.

Premium

Paragon Independent Insurance Agencies

MARCH 15, 2024

When acquiring new home appliances, consider incorporating them into your existing home insurance policy. Don’t hesitate to contact our representatives at Paragon Independent Insurance Agency for assistance updating your personal insurance policy. Insuring items that you use regularly is a wise choice.

Insurance Agency

TGS

OCTOBER 3, 2023

To feel confident in your policy before you sign, make sure you understand how to read a homeowners insurance quote. How Do You Get a Quote on Home Insurance, and How Long Does it Take? You can get a free homeowners insurance quote by visiting the carrier website or by consulting an independent agency like TGS Insurance.

Insurance Quotes

TGS

DECEMBER 13, 2024

Jewelry insurance can help replace the item, even if its never found. Theft : If your valuables are stolen, whether from your home or while traveling, a good policy ensures youre not left empty-handed. Damage : Accidents happena clasp breaks, a stone gets chipped, or a chain snaps. Is Coverage for My Jewelry Worth It?

Protection

TGS

SEPTEMBER 6, 2023

On top of that, you run the risk of having a lapse in your home insurance coverage, as some renovations call for a different insurance policy entirely. What Will a Standard Home Insurance Policy Cover During Renovations? For example, standard home insurance will not cover theft or vandalism during construction.

Insurance Policy

TGS

OCTOBER 3, 2024

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

Premium