TGS

JUNE 11, 2025

High-Value Items: Jewelry, Art, and Collectibles Standard home insurance limits coverage for high-value personal property—like jewelry, art, or collectibles. How to fix it : Add scheduled personal property coverage, which allows you to insure specific high-value items for their full appraised value.

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TGS

OCTOBER 3, 2023

TGS Insurance » Blog What Is a Homeowners Insurance Quote? A homeowners insurance quote is the proposed amount that you would pay an insurance carrier to cover your home. The quote will be based on many factors, including your home’s age, building features, location and size, as well as your insurance score.

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TGS

JUNE 18, 2025

That includes coverage for: Fire, wind, or storm damage Theft or vandalism Personal property Liability for accidents on your property But once you start using your property like a business—aka renting it out to strangers for short-term stays—you’re entering a very different risk category.

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Distinguished

MAY 19, 2025

Key benefits include: Property Coverage BOPs includes commercial property coverage, protecting business personal property and building structures against covered losses like fire, theft, or vandalism. A critical component of property insurance for restaurants is business income coverage.

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TGS

MAY 21, 2025

A Note for Renters For those renting their homes, dont assume the landlords insurance covers BBQ-related incidents. Landlord policies typically protect the building, not personal belongings or liability. A renters insurance policy can safeguard personal property and cover liability risks, offering protection if an accident occurs.

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TGS

SEPTEMBER 6, 2023

However, for many home renovation projects, you will need to inform your insurance agent. Whether it’s a big project involving reconstruction of part of your home, or a small project that will increase the value of your home or personal property, your renovation will affect your homeowners insurance.

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TGS

SEPTEMBER 11, 2023

This will include dwelling structure, personal property, loss of use, and increased rebuilding costs. Additional Windstorm Insurance Options With TGS Insurance Agency Getting the right windstorm insurance shouldn’t be complicated. The law protects all land designated “beach” by the legislature.

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