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Actual Cash Value vs. Replacement Value: What’s the Difference, and Where Does Market Value Fit In?

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TGS Insurance » Blog When it comes to insurance claims or selling a car, home, or other big-ticket item, you’ve probably heard terms like actual cash value , replacement value , and market value tossed around like confetti. These terms can feel like they’re written in some cryptic insurance code, right?

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What is a Loss History Report?

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This is where a loss history report comes inits like a propertys report card for past insurance claims. A loss history report provides a record of insurance claims filed on a property, typically over the past five to seven years. This report includes: Claim Details Dates of past claims, type of loss (e.g.,

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Grilling Safety Tips for a Secure Memorial Day BBQ

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A fire that damages siding or outdoor furniture could lead to a homeowners insurance claim. Reviewing coverage with TGS Insurance ensures protection against such unexpected losses. Quick access to these resources can contain a small fire before it causes extensive property damage, potentially minimizing insurance claims.

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Spring Home Maintenance Checklist

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TGS Insurance Blog As winter melts away and flowers start to bloom, its time to tackle that spring home maintenance checklist. This seasonal refresh isnt just about sprucing things upits also your chance to protect your biggest investment and avoid costly surprises that could lead to an insurance claim.

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Benefits of an Independent Insurance Agent for Your Personal Insurance Needs

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TGS Insurance » Blog Captive vs Independent Insurance Agency: What’s the Difference? In order to understand the benefits of using an independent insurance agent, it’s essential to recognize what sets them apart. Insurance agencies can be sorted into two categories: captive and independent.

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What to Do After a Car Accident: A Step-by-Step Guide

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Plus, having a police report on file can help you later when dealing with insurance claims. A police report can be an invaluable piece of documentation when sorting out insurance claims or liability issues later. Keep all medical records and receipts in case you need them for an insurance claim.

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Quick Tips To Prepare Your Home For A Freeze

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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. Having a robust homeowners insurance policy ensures youre ready for the unexpected. Contact us today to secure your peace of mind.