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Home Insurance Coverage Gaps You Might Not Know Exist—Until It’s Too Late

TGS

How to fix it : Consider adding a separate flood insurance policy through FEMA’s National Flood Insurance Program (NFIP) or a private insurer. Get a free homeowners insurance quote today ! Get a Policy Check-Up Today Don’t wait for a gap in your insurance to become a crater in your finances.

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Roof Claims Surge: A 30% Increase from 2022 to 2024

TGS

For homeowners, this means staying proactiveregular roof inspections, timely repairs, and understanding your insurance policy are more critical than ever. Because when the next storm hits, you deserve peace of mindnot surprise expenses. This blog post is based on information from Verisk’s “U.S.

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What is a Loss History Report?

TGS

Policy Information Details of the insurance policies under which the claims were filed. Insurance companies rely on these reports to assess risk when underwriting a new policy. How TGS Insurance Agency Can Help At TGS Insurance Agency, we know how frustrating it can be when insurance rates dont seem to add up.

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

TGS

Budgeting for Premiums : If you’re pinching pennies, an ACV policy might be lighter on your wallet, but you’ll need to balance that against potentially smaller payouts. It’s usually hiding in the policy details, but it’s worth digging for. Ask Questions : If you’re confused about your policy, reach out to your insurer for clarity.

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How to Change Home Insurance with Escrow: A Step-by-Step Guide

TGS

When changing home insurance with escrow, youll need to coordinate with both your lender and your new insurance provider to avoid any gaps in coverage. Why Change Your Home Insurance? Whatever your reason, understanding how to change home insurance with escrow ensures the process goes smoothly.

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Does Home Insurance Cover Vacation Rentals? Here’s What You Need to Know

TGS

Before you hand over the keys to your weekend guests, here’s what you need to know about the risks, the gaps, and the insurance solutions that protect vacation rental hosts. What Does Standard Homeowners Insurance Actually Cover? A typical homeowners insurance policy is designed for owner-occupied properties.

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2025 Atlantic Hurricane Season Predictions: What Homeowners Need to Know

TGS

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.