TGS

SEPTEMBER 22, 2023

Sometimes, with changes in the market, an insurance carrier may stop serving a certain region altogether. If you have a new high-risk pet or attractive nuisance, for example, there are certain carriers more willing to accept those risks than others. Consult an insurance agent about the best options for you.

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TGS

OCTOBER 3, 2024

Coastal homes in Florida, for example, face higher premiums due to the increased risk of hurricanes, flooding, and wind damage. Conversely, homes further inland or in areas with lower crime rates often benefit from lower insurance costs. The more risks your area poses, the more your insurance company will charge to protect you.

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TGS

OCTOBER 17, 2023

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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TGS

JANUARY 6, 2025

Insurers will need to adjust rates to accommodate the increased coverage levels. The Risk of Increased Uninsured Motorists One concern raised by experts is whether higher premiums will push more drivers to drop their insurance altogether, increasing the rate of uninsured motorists.

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TGS

OCTOBER 28, 2024

Conversely, if you’re someone who drives less frequently and in low-risk areas, you might feel comfortable taking on a higher deductible because the chances of needing to file a claim are reduced. Fewer miles on the road typically mean a lower risk of an accident, which could make a higher deductible and lower premiums a safe bet.

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TGS

DECEMBER 13, 2024

Thats why standalone jewelry insurance existsto provide comprehensive protection for the items that mean the most to you. What Does Jewelry Insurance Cover? Insurance policies for jewelry can vary, but most provide coverage for common risks, such as: Loss : Ever misplaced a ring at the gym or dropped an earring at a bustling party?

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TGS

SEPTEMBER 11, 2023

Calculating Your Rates With Wind Pool Additional Windstorm Insurance Options With TGS What is the South Carolina Wind Pool? The South Carolina Legislature required insurance to be available to at-risk coastal homes. Why Would I Have to Get South Carolina Wind Pool Insurance? This program started in 1971.

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TGS

NOVEMBER 20, 2024

So, from an insurer’s perspective, your credit score provides a glimpse into potential risk. Here’s where it gets interesting: not all states allow the use of credit scores in setting home insurance rates. Upgrade Your Home: Adding safety features like a security system or fire-resistant materials can reduce risk—and your rate.

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TGS

NOVEMBER 5, 2024

These questions help insurers figure out who’s on the property most of the time and for what purpose. After all, a home that’s rented out or left unoccupied part of the year faces different risks than one where you’re living day in and day out. Location-Specific Risks: Is Your Home Prepared for Nature’s Wrath?

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TGS

DECEMBER 16, 2024

Why is a Home Inventory Important for Insurance? Accurate Coverage : Knowing the value of your belongings ensures that your homeowners insurance or renters insurance policy offers sufficient coverage. Without this, you risk being underinsured. Backup Copies: Always maintain a backup copy in case of emergencies.

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TGS

JANUARY 8, 2025

Why Do Home Insurance Inspections Happen? At its core, a home insurance inspection helps insurers assess the condition and value of your property. It allows them to identify potential risks and ensure your policy accurately reflects the home’s features and state.

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TGS

OCTOBER 25, 2024

Insurance companies take this aging process into account when assessing risk, and as your home’s structure and systems age, the likelihood of a claim increases. What You Can Do: One way to counteract the higher costs of insuring an aging home is to invest in upgrades that can reduce the risk of claims.

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TGS

NOVEMBER 12, 2024

Why Insurance Companies Love Smart Home Tech (Hint: It’s All About Risk Reduction) So, here’s the question: why would an insurance company care if you have a smart thermostat or a video doorbell? Well, it all comes down to risk. To insurance providers, that’s a win.

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TGS

DECEMBER 18, 2024

TGS Insurance Blog Christmas Light Safety Tips Christmas lights are the ultimate way to turn your home into a festive wonderland, but they also come with a few safety risks if not handled properly. This reduces the risk of fire and keeps your electric bill in check. Use timers or smart plugs to automate your lighting schedule.

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TGS

SEPTEMBER 6, 2023

On top of that, you run the risk of having a lapse in your home insurance coverage, as some renovations call for a different insurance policy entirely. What Will a Standard Home Insurance Policy Cover During Renovations? Consult with your insurance agent to avoid a lapse in your home insurance. >>

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TGS

NOVEMBER 27, 2024

Let’s dive into some budget-friendly safety upgrades that can help you save money while giving your home insurance provider fewer reasons to worry. Why Home Safety Affects Insurance Premiums Insurance companies calculate premiums based on risk. Keeping your landscaping tidy reduces both risks.

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TGS

NOVEMBER 25, 2024

Here are a few others to watch out for: Overloaded Kitchens: With every burner working overtime and countertops crowded with dishes and decorations, the risk of something flammable catching fire skyrockets. At TGS Insurance Agency, we’re here to help you find the right coverage so you can celebrate the holidays worry-free.

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TGS

DECEMBER 4, 2024

While they don’t dry out, artificial trees can still pose fire risks, especially if they’re not fire-resistant. That’s why having the right home insurance coverage is essential to protect your family and home from unexpected events like fires. Not so fast!

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TGS

NOVEMBER 18, 2024

Cons: Higher Insurance Costs: No-fault states tend to have higher insurance premiums, as insurers take on greater responsibility for covering claims. Fraud Risks: No-fault systems are sometimes criticized for being more vulnerable to fraudulent claims, which can drive up costs for everyone.

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TGS

NOVEMBER 29, 2024

Opt for In-Store Pickup Sure, it’s a little less convenient, but picking up orders in-store eliminates the risk of porch theft entirely. A Closer Look The post Protecting Your Holiday Cheer: Tips to Prevent Package Theft This Season appeared first on TGS Insurance Agency.

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TGS

DECEMBER 9, 2024

Those are liability magnets, so your coverage should reflect the increased risks. And its not just about dividing assetsits about dividing insurance, too. From comparing quotes to tailoring policies that fit your unique needs, weve got you covered every step of the way. Got a pool or a trampoline? You deserve peace of mind.

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TGS

NOVEMBER 15, 2024

So if both vehicles experience damage (let’s say in a hailstorm or other shared risk), you’ll need to meet the deductible on each car individually. If you’re ready to take the plunge, start by gathering your information, get your free auto insurance quote , and discuss options with your insurance provider.

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TGS

APRIL 18, 2025

Insurance tip: Drafty or unsecured windows could become a liability during stormsor worse, break-ins. Ensuring theyre sealed and secure helps reduce both risks. Insurance tip: Clutter can pose fire and injury risks. Check locks and latches for functionality. What to do: Remove leaves, twigs, and debris.

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Mark Jackson Insurance Agency

APRIL 15, 2024

Worker Using an Angle Grinder by Anamul Rezwan Business owners have multiple types of insurance to protect them from a variety of financial and legal risks. They should also protect their employees with workers’ comp insurance. Here’s what you need to know about this type of insurance coverage. What Is Workers’ Comp?

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TGS

JANUARY 2, 2025

Operating a vehicle without these properly functioning safety features is against the law and poses significant risks. Auto Insurance Remains a Legal Requirement in Texas While safety inspections for non-commercial vehicles have been eliminated, auto insurance remains a legal requirement for all Texas drivers.

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TGS

JANUARY 28, 2025

Home renovations can introduce risks to your property, so here are essential tips to protect both your home and your insurance coverage during the process. For instance, upgrading electrical panels, replacing old wiring, or installing hardwired smoke detectors can help prevent accidents and lower your insurance premiums.

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