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. But it’s just one piece of the puzzle.

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Distinguished

MARCH 20, 2025

Apartment buildings present unique insurance challenges because of their dense living arrangements, high occupancy turnover, and shared spaces. Fortunately, the property owner had Ordinance or Law Coverage A as part of their insurance policy, allowing them to receive the full building limit for the loss.

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Property Insurance Centre

SEPTEMBER 11, 2024

What does a Lift Inspection Policy cover? What does a Lift Inspection Policy cover in conjunction with a Purpose Built Flats Insurance Policy? Lift Inspection policies will often accompany a Purpose Built Flats Insurance Policy, and for good reason.

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Distinguished

MARCH 20, 2025

However, for more significant violationssuch as major plumbing failures or fire hazardscoverage may be denied entirely, leaving the property ineligible for insurance. Are there specific types of insurance that are more sensitive to these housing violations? Yes, indeed.

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Mark Jackson Insurance Agency

MAY 21, 2024

Traditional home insurance policies often fall short of covering the unique risks associated with running a business from home. Here are some critical insurance considerations every home-based business owner should evaluate.

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Property Insurance Centre

FEBRUARY 10, 2025

Get a Quote Insurance under one roof We are specialists in many types of insurance GET YOUR QUOTE GET YOUR QUOTE What Perils Are Covered by Commercial Property Insurance? ” If a peril is explicitly listed in the policy, the insurer will cover the damage it causes.

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MARCH 19, 2025

However, for more significant violationssuch as major plumbing failures or fire hazardscoverage may be denied entirely, leaving the property ineligible for insurance. Are there specific types of insurance that are more sensitive to these housing violations? Yes, indeed.

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Property Insurance Centre

JANUARY 30, 2025

Because of these risks, many standard building insurance policies may not fully cover an unoccupied flat for extended periods, typically beyond 30-60 days. Get a Quote Insurance under one roof We are specialists in many types of insurance GET YOUR QUOTE GET YOUR QUOTE What Type of Insurance Do You Need?

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Property Insurance Centre

JANUARY 27, 2025

Steps to Take Check the Lease Agreement: This document will outline who is responsible for insuring the building. Speak with the Freeholder or Managing Agent: Ask for details about the current insurance policy and how costs are allocated.

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Property Insurance Centre

MARCH 11, 2025

” Plus, of course, the issue of home insurance and block of flats insurance costs, which in the UK increased by 21% year-on-year between July and September 2024, according to a report from Compare the Market. Unoccupied flats pose risks like water damage and squatting, which insurers consider when pricing policies.

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TGS

SEPTEMBER 14, 2023

TGS Insurance » Blog Additional Insured vs. Additional Interest Explained Additional insured and additional interest are two very different roles that a person can play as a part of your insurance policy. In short, an additional insured is covered by your insurance, while an additional interest is not.

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Cover4LetProperty

DECEMBER 1, 2023

The main difference between home insurance and landlord insurance lies in the intended purpose and cover. The main difference between home insurance and landlord insurance lies in the intended purpose and cover. Landlord insurance: specifically tailored for properties that are being let to tenants.

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Maritime Insurance International

JUNE 5, 2020

While every policy is different, in most cases, homeowner’s insurance policies only offer limited coverage for boats. In this post, we’ll walk you through everything you need to know about whether or not homeowner’s insurance covers boats and the advantages of purchasing a dedicated boat insurance policy instead.

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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.

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Cover4LetProperty

OCTOBER 1, 2024

Buy to let insurance is a specialised type of insurance that covers the unique risks faced by landlords. While it shares some similarities with standard home insurance, it includes additional protection tailored to rental properties and tenants. What does landlord insurance cover?

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Wren Insurance Agency

SEPTEMBER 18, 2024

First and foremost, you will need a homeowners insurance policy on the residence, even though it isn't your primary location. So regular homeowners insurance (or condo insurance) on the home itself is required, especially if the home is financed.

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Tosten Marketing

MARCH 3, 2025

Stay on top of insurance industry trends and share relevant updates with your audience. For example, if a new type of cyber insurance policy gains traction, explain how it could benefit your clients. You could feature a local business owner who avoided financial ruin thanks to a comprehensive liability policy you recommended.

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TGS

DECEMBER 9, 2024

As you merge lives, youll likely merge insurance policies, too. Combining auto insurance , home insurance , and/or health insurance under a single provider often means discounts. Have you considered how tying the knot might affect your life insurance? But dont forget the fine print.

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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.

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Cover4LetProperty

APRIL 16, 2024

This insurance typically goes beyond standard home insurance to address the unique risks and liabilities associated with being a landlord. Landlord insurance typically includes cover for the building structure, as well as optional cover for any contents owned by the landlord that are included with the rental property.

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Maritime Insurance International

JUNE 5, 2020

A common question is whether or not home insurance policies cover boats. The fact is that some home policies do and some do not. If your boat is worth more than the coverage offered by your home insurance policy, purchasing a dedicated boat insurance policy is a good idea.

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Property Insurance Centre

JANUARY 30, 2024

Freehold Block of Flats Insurance: Top Cover Tips If you own a freehold block of flats , it’s crucial to have the right insurance coverage to protect your investment. Standard home insurance policies may not provide adequate protection for the unique risks associated with a block of flats.

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Property Insurance Centre

MARCH 21, 2025

Insurers view these uses as higher risk, which can lead to increased premiums or the need for specialist insurance policies. Crime Risk in Certain Urban Areas While overall crime in Manchester is lower than in London, some districts still report higher rates of burglary and vandalism, which can affect insurance costs.

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Cover4LetProperty

AUGUST 15, 2022

Beware of the headline price One possible problem with products branded as low-priced or cheap landlords’ insurance, though, is that the attractive price tag may have been achieved at the cost of the levels of let property insurance cover provided. Does cheap landlords’ insurance really exist?

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Neilson Marketing Services

SEPTEMBER 11, 2024

Email marketing for insurance agents benefits from this balance, as it builds trust while still driving conversions. Educational content, such as tips for choosing the right insurance policy, builds trust and demonstrates your expertise. This targeted follow-up can reignite their interest and increase the chances of conversion.

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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. That’s where additional coverage types, like Property Damage Liability (PDL) and Bodily Injury Liability (BIL) , come into play.

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Cover4LetProperty

JANUARY 21, 2023

So, why is specialist landlord insurance necessary? Why won’t standard home building and contents cover suffice, for example? The same might be said of standard homeowners’ insurance and landlords’ insurance – on the outside they appear fairly similar, but it is on the inside that the real differences start to emerge.

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TGS

NOVEMBER 1, 2024

A police report can be an invaluable piece of documentation when sorting out insurance claims or liability issues later. You’ll need their name, contact details, insurance policy number, and driver’s license information. Document the Scene This step is crucial. The more detailed your documentation, the better.

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Property Insurance Centre

JANUARY 4, 2024

It’s crucial for property owners to regularly review their insurance policies and update their property valuations to ensure they have adequate coverage in place. The Importance of Accurate Property Valuations Accurate property valuations are essential for both insurers and policyholders.

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Cover4LetProperty

NOVEMBER 3, 2024

The use to which the dwelling is put, determines the type of insurance required The distinction is very important to any property owner looking to safeguard his or her investment by arranging insurance cover. Can I use home insurance for my buy to let property? So, what is suitable landlord insurance – what does it cover?

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TGS

OCTOBER 3, 2024

If you own a breed of dog that’s considered high-risk (like a pit bull or Rottweiler), your insurer may increase your premium—or even refuse coverage. This is because some dog breeds are statistically more likely to be involved in liability claims. From hurricane protection to dog-friendly policies, we’ve got you covered.

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Property Insurance Centre

DECEMBER 23, 2024

Do I have the right lock for my insurance ? Being a Commercial Property Owner or Business Owner you will be aware there will be certain conditions within your insurance policy with regard to the Security at the premises. However, the first thing you should ask yourself, is, “Do I have the right lock for my insurance?”

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Property Insurance Centre

OCTOBER 18, 2024

The insurance industry has had to adjust premiums to reflect this growing risk. By mid-2024, the average cost of home insurance had risen by 19% compared to 2023, with flood-prone areas facing even steeper increases​ CityAM.

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TGS

NOVEMBER 15, 2024

TGS Insurance » Blog Adding a Second Car to Insurance: What to Know Before You Drive Off Whether your family is growing, or you’re just tired of sharing one set of wheels, adding a second car to your insurance policy can bring about both benefits and a few challenges. Why Add a Second Car to an Existing Insurance Policy?

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Property Insurance Centre

AUGUST 8, 2024

It is important to remember, insurers will be continuing to rate the risk element attached to your property, and if you manage to get the office occupied again then, statistically at least, there will be less likely to be any property owners claims for either material damage or liability.

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Property Insurance Centre

SEPTEMBER 25, 2024

Accidental damage is not usually covered by a normal building insurance policy. These can be added to your policy for an additional premium. Exclusions Building insurance policies will have exclusions, which are specific events or circumstances that are not covered by your policy.

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Property Insurance Centre

AUGUST 28, 2024

Corner Shop Insurance and BT Redcare Alarm changes Business Owners who have corner shop insurance are all to aware of the benefits an appropriate intruder alarm system will have, both in relation to their insurance premiums (or in being given an insurance policy at all in some cases) and to the physical security of their goods.

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