TGS

MARCH 17, 2025

Liability only auto insurance steps in to cover the damage youve done to the other guys car or their medical bills if theyre hurt. Its got two main parts: bodily injury liability and property damage liability. If your cars crumpled or youre the one limping after an at-fault crash, liability only auto insurance doesnt care.

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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.

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TGS

MAY 21, 2025

Now picture a sudden flare-up disrupting the scene or damaging the deck. 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. A fire blanket is another practical tool.

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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?

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Distinguished

MAY 19, 2025

General liability coverage protects against third-party claims involving bodily injury, property damage, or advertising injury from slip-and-fall accidents to food-related complaints. Liquor Liability Coverage Distinguisheds BOP offers liquor liability coverage for eligible restaurants. What Doesn’t a BOP Cover?

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Policy Business Owners Policy General Liability Liability 40

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.

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Liability Protection Policy Home Insurance 52

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. The more risks your area poses, the more your insurance company will charge to protect you.

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TGS

NOVEMBER 18, 2024

The Basics: Defining a No-Fault State At its core, a no-fault state is one where your car insurance policy takes care of your medical expenses and certain other costs, regardless of who caused the accident. In a no-fault system, each driver’s own insurance policy is the first line of defense for medical bills and other specified expenses.

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Auto Insurance Injury Damage Claim 52

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.

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TGS

DECEMBER 2, 2024

Property Damage Liability (PDL): $10,000 minimum to cover damage you cause to another person’s property. What Happens If You’re Caught Driving Without Insurance in Florida? Plus, with affordable insurance options available, there’s really no excuse to drive without it. These aren’t optional—they’re mandatory.

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Auto Insurance License Insured Insurance 52

TGS

DECEMBER 13, 2024

Jewelry insurance can help replace the item, even if its never found. Damage : Accidents happena clasp breaks, a stone gets chipped, or a chain snaps. If youre still on the fence, ask yourself: How would I feel if this piece were lost or damaged? Many policies cover repairs and replacements for such incidents.

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Protection Theft Insured Insurance 52

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. 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.

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Paragon Independent Insurance Agencies

OCTOBER 15, 2024

Both a carport and a garage will shelter your vehicle and protect it from sun damage. If you would like more information on a home insurance quote, contact our agents at Paragon Independent Insurance Agency. first appeared on Insurance Blog | Paragon Independent Insurance Agencies.

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TGS

NOVEMBER 1, 2024

Avoid standing in the middle of the road or putting yourself in harm’s way while assessing the damage. In many states, you’re required to file a police report for accidents that involve injuries or significant property damage. Plus, having a police report on file can help you later when dealing with insurance claims.

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Injury Home Insurance Claim Damage 52

TGS

SEPTEMBER 11, 2023

This covers any damage caused by wind or hail events. With replacement cost coverage, a flood policy must also be active at the time of the damage, or else there will be actual cash value coverage. Even if you do not have a house loan, getting windstorm insurance is a good idea. What Does Wind Pool Not Cover?

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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.”

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TGS

NOVEMBER 27, 2024

Trim Trees and Maintain Landscaping Cost: $0–$200 depending on the size of the job Impact: Overhanging branches can damage your roof during storms, while dense bushes provide cover for burglars. Install a Water Leak Detection System Cost: $50–$300 Impact: Water damage claims are among the most common for homeowners.

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Premium Home Insurance Insured Insurance 52

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.

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TGS

NOVEMBER 12, 2024

This added layer of protection is attractive to insurers because it lowers the likelihood of a major fire or carbon monoxide incident, thus potentially qualifying you for a smart home insurance discount. A smart water leak detector can sense leaks early and alert you before significant damage occurs.

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TGS

NOVEMBER 25, 2024

That’s where homeowners insurance steps in. Here’s how it can help if things don’t go quite as planned: Property Protection: Whether it’s smoke damage in the kitchen or a full-scale rebuild after a larger fire, insurance can cover repair and replacement costs. Ready to review your policy?

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TGS

OCTOBER 28, 2024

In this case, a lower deductible can help you avoid paying a large amount out of pocket after a collision or other damage. Finding The Right Auto Insurance Deductible is Easy with TGS Insurance Agency Choosing the right auto insurance deductible isn’t a one-size-fits-all decision.

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Deductible Auto Insurance Out-Of-Pocket Premium 52

TGS

SEPTEMBER 6, 2023

In that case, your insurance carrier may consider it vacant, which means you won’t be protected from damage caused by intruders. Ask your insurance agent if you will need an unoccupied policy to protect your home and belongings during your renovation. It all starts with a free, instant quote on your home insurance.

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TGS

DECEMBER 18, 2024

Inspect Before You Illuminate Before you hang even a single strand, inspect your lights for damage. How Major Life Events Impact Insurance: Protecting What Matters Most The post Christmas Light Safety Tips appeared first on TGS Insurance Agency. If anything looks worn or faulty, its best to replace it.

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TGS

OCTOBER 10, 2023

Classic car insurance starts with the minimum liability requirements established by your state (for both property damage and bodily injury ). With our roster of over 55 A-rated carriers, our expert agents will find you the best deal for your classic car insurance! It all starts with a free quote , no strings attached.

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TGS

NOVEMBER 15, 2024

Just be prepared for a higher bill compared to insuring only one vehicle. So if both vehicles experience damage (let’s say in a hailstorm or other shared risk), you’ll need to meet the deductible on each car individually. Separate Deductibles for Each Vehicle It’s also important to remember that each car has its own deductible.

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Auto Insurance Deductible Policy Insured 52

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. Check flashing around chimneys and skylights.

Home Insurance 52

Home Insurance Damage Protection Policy 52

TGS

JANUARY 28, 2025

Mind Your Plumbing If your renovations involve plumbingwhether its adding a new bathroom or upgrading the kitchenensure the work is done properly to prevent leaks or water damage. Water damage is one of the most common home insurance claims, so taking preventive steps here is key. Ready to Renovate?

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