Damage Personal Property Risk 
TGS
JUNE 11, 2025
Flood Damage: Not Covered by Standard Policies Here’s the big one. Most homeowners don’t realize that standard home insurance does not cover flood damage. Even homes outside of high-risk flood zones can benefit—25% of flood claims come from low-to-moderate-risk areas. Your base policy won’t usually pay for these upgrades.
The Property Insurance Law Observer
MARCH 12, 2024
On November 20, 2021, after the home was vacant for an extended period of time, unidentified individuals broke into and damaged Plaintiffs’ property, taking various items. After investigating, Allstate denied coverage, invoking the policy’s vandalism exclusion and increased risk provision. Citing to Allemand v.
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Wren Insurance Agency
JANUARY 22, 2025
Here in Florida unfortunately, we know the incredible damage wildfires can do. These risks are rated at a local level, not national, so the current fires in California will not affect Florida's home insurance rates. In 1998, dry conditions resulted in more than a half million acres burning to the ground.
Distinguished
JUNE 16, 2025
With upwards of 40+ unique strings and intricate wooden structures, even minor damage often requires specialized restoration from a small circle of expert technicians. Given these risks and complexities, securing the right insurance for your client’s harps is critical. What is Harp Insurance?
Distinguished
MAY 19, 2025
Restaurant owners face a complex set of risks that can disrupt operations and threaten profitability. Why Restaurant Need a Business Owners Policy Restaurants are fast-paced, high-risk environments that face frequent challenges from customer injuries and equipment breakdowns to power outages and spoiled inventory.
Simply Insurance
JUNE 12, 2025
And whether youre a first-time landlord or have years of experience, you know that rental property insurance is necessary, but the cost varies depending on where you may live and the insurance company you choose. An Open Peril Policy means your coverage will cover damage caused by anything other than items on the prohibited list.
TGS
MAY 21, 2025
At TGS Insurance, protecting property and mitigating liability risks is a priority, so consider these practical steps to keep the celebration safe and worry-free. Now picture a sudden flare-up disrupting the scene or damaging the deck. A fire that damages siding or outdoor furniture could lead to a homeowners insurance claim.
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